Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. LexisNexis is required under the FCRA to have a copy of the original creditors or furnishers documentation on file to verify that this information is mine and is 100 % 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 etc. ) 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.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Cashing a check

I have a special needs daughter who has a checking account where someone did fraudulent activity on her account writing 3 unauthorized checks totaling XXXX. She gets XXXX dollar check for her XXXX per month. The bank refused to do a refund to her account even though they are federally insured. The reason for denial to the claim was due to failure to safeguard your checks.they told us we need to keep the checks in a safe deposit box. We filed a police report amd they actually have pics of the suspects, but could not find them.teller cashed the checks without properly looking at the check. Definitely not her signature at all. I belive bbt is discriminatory practices against special need people. Pls help get her funds returned to her account. She depends on her little money to help her live
Complaint sub-issue: Debt was result of identity theft

There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX Re : XXXX Continuing Dispute Dear Billing Disputes : Attached is a copy of your letter of XX/XX/XXXX and its attachments which included XXXX XXXX XXXX response in my favor as well as my initial dispute letter of XX/XX/XXXX. I have signed you letter of XX/XX/XXXX and returned it with my response as I continue to dispute the charge of {$1400.00} on my XXXX XXXX statement. 
I checked in on XX/XX/XXXX and was going to leave on XX/XX/XXXX XXXX XXXX swiped my card when I checked in for a total of {$1400.00}. But I stayed an additional day and checked out on XX/XX/XXXX and gave the desk person my card and was charged for {$1600.00}. The amount of {$1600.00} is the final bill. The {$1400.00} has disappeared from the XXXX XXXX system since it was NOT the final bill which was for {$1600.00} which I have paid and have received a receipt for on the day of check out on XX/XX/XXXX as well as another receipt emailed to me on XX/XX/XXXX from the XXXX XXXX which is attached. 
{$1600.00} was the total bill for the stay with a check in date of XX/XX/XXXX and a checkout date of XX/XX/XXXX. 
I called XXXX XXXX, Front Office Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX on Saturday, XX/XX/XXXX. XXXX XXXX, Front Office Manager, explained the final bill and the only bill owed was for {$1600.00} and has been paid. XXXX XXXX said my dispute is with AT & T Universal Card ( owned now by Citi Cards ) which has NOT corrected the credit card statement. 
Please re-read XXXX XXXX, Front Office Manager, letter, faxed XX/XX/XXXX to AT & T Universal Card ( owned now by Citi Cards ) see Citi pages 3-10 and remove the charge of {$1400.00} from my credit card bill. 
I am sending a copy of all this correspondence to the Consumer Financial Protection Bureau as my complaint.
Complaint sub-issue: Information belongs to someone else

I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Complaint sub-issue: Can't temporarily delay making payments

On XX/XX/XXXX date disbursed repayment start/ deferment end date XX/XX/XXXX principal balance {$3500.00} payment amount {$37.00} due day on XX/XX/XXXX XX/XX/XXXX principal balance {$6200.00} payment amount {$67.00} due day total current payment due monthly {$100.00} estimated to to be repaid unpaid principal balance {$9700.00} accrued unpaid interest to be capitalized {$98.00} interested payable {$2600.00} total amount to be repaid {$12000.00}
Complaint sub-issue: Debt was result of identity theft

VICTIM OF IDENTITY THEFT AND THIS HAS BEEN ON MY REPORTS.I HAVE NO KNOWLEDGE OF THIS ACCOUNT.PLEASE DELETE THIS DEPT THAT 'S IN MY NAME.I HAVE NOT HAD SERVICE WITH THIS COMPANY IN THE REPORTING TIME FRAME
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX, give authorization to Equifax to move forward with this complaint. I have proof Equifax is in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complaint XXXX, they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. Equifax has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that Equifax is attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof in Exhibits 1-6 that Equifax is reporting adverse information before, during, and after all investigations which is a direct violation, making Equifax civilly liable and criminally liable pursuant to 1681n and 1681o.
Complaint sub-issue: Personal information incorrect

My personal information is inaccurate. 

XXXX. My name is XXXX XXXX XXXX. Also known as XXXX XXXX XXXX. I no longer work at XXXX XXXX XXXX XXXX. Never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.
Complaint sub-issue: Public record information inaccurate

I moved to XXXX XXXX from California, XXXX a year ago ... i just bought a home here in XXXX ... .Im a XXXX XXXX, never been outside or worked outside california . Never been arrested and had any felonies ... .Well just bought a house so I need extra income from my XXXX job and so I applied to XXXX and XXXX ... and I worked for XXXX in XXXX XXXX about two years ago, drove with no problem ... I been applying for jobs, getting turned down and before me and my wife moved here we got turned down for a few rental homes also ... thinking I was just being scamed by the rental companies taking my application fees I never thought nothing of it, but I did send off fingerprints thru the FBI criminal investigations in West Virginia ... My fingerprints came up clear, no criminal history ... but when we get to XXXX I get turned down for XXXX and XXXX ... saying I had a public record for XXXX starting in XX/XX/XXXX tili XX/XX/XXXX ... .and spent most of those years in XXXX in ( XXXX , county ... Illinois ) ... now Im a XXXX XXXX XXXX with the XXXX and california credentials also ... .how in the XXXX this is possible I BEEN LIVING AND WORKING IN XXXX XXXX AND RAISING MY KIDS, before in XX/XX/XXXX I was in high school and worked my way up from a XXXX XXXX to a XXXX XXXX with XXXX and XXXX XXXX at XXXX stores in XXXX XXXX ... ... .The background system they used which seems to have the false information is ( CHECKR ) .... ( checkr ) ... they are based out of XXXX XXXX, California , ,, they have caused me to get turned down from jobs and housing ... I need this issue to be investigated ..I don't know if this is identity theft or mis information from the company that did the background checks ... .. 

Thanks sincerely XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I check credit karma before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from XXXX who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted XXXX they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the Equifax, XXXX and XXXX. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Complaint sub-issue: Information belongs to someone else

I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXXAccount # XXXX, XXXX/Account # XXXX and # XXXX ( XXXX  XXXX ), XXXX XXXX XXXX/Account # XXXX XXXX 
XXXX, XXXX, Equifax. 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: Attempted to collect wrong amount

When we closed the account I asked by total balance to be paid. I did pay them the total amount. Later, they come back with a new balance due. I told them that I already had talked to someone else about it and paid them. I gave them the name of the people who I spoke with and asked them to check their notes. Then, they said that they will remove the new charges. Months later, I got a letter from a collection company. I had to pay them again the same debt so they could report it to the credit report.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. I stated .working onXX/XX/XXXX-XX/XX/XXXXfor XXXX XXXX XXXX XXXX XXXX in XXXX , XXXX in the XXXX XXXX Division as a XXXX XXXX, I moved back to XXXX and gain employment with XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX.  I am currently employed as a XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to date. If I had been advise currently I would have had at least 90 payments credited toward my loans. I work as a XXXX XXXX XXXXXXXX serving XXXX XXXX XXXX and XXXX XXXX. My salary has never been more than 34,000 per year with a family size of XXXX or more.
Complaint sub-issue: Information belongs to someone else

Im tired of this happening to me I need this to stop Im tired of taking my time to always keep doing this trying to fix my credit. I found a hard inquiry on XXXX on my chase credit journey report from Pnc bank.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report 6.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. Validate Account Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
17.Validate Account Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter out on XX/XX/2022 to Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Information belongs to someone else

This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.
Complaint sub-issue: Account information incorrect

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Discover ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX Discover, XXXX Discover, XXXX Discover, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX ( XXXX )
Complaint sub-issue: Problem with personal statement of dispute

I have dispute a public record bankruptcy off my credit report with XXXX   about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights XXXX has remove the man name but not his bankruptcy back in XX/XX/2018
Complaint sub-issue: Information belongs to someone else

I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.
Complaint sub-issue: Frequent or repeated calls

We have sent two separate letters by Certified Mail asking GreenSky requesting to Cease Further Communication. The first letter was sent XX/XX/20 and the second was sent XX/XX/20. They call my husband every single day. They call myself, they call my daughter 's boyfriend, they call my brother in law. It's gotten ridiculous.
Complaint sub-issue: Reporting company used your report improperly

When I went to check my credit report there's several hard inquiries that are not familiar to me and I didn't do.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Cancelled my subscription for credit monitoring with equifax in XX/XX/2021 on their website when the changed the product to the new complete family plan. Received an email on XXXX XX/XX/2021 stating a cancel request was put in. Since being of XXXX I have received 9 different emails saying my payment failed to process and to call or go online. I called them on XXXX XXXX and they confirmed that my produvt was cancelled and no payment was due. Since then I have received 4 more emails stating payment was processed and to call or go online. I called again on XXXX XX/XX/2021 and the person who answered asked weird credit questions to authentic me from years ago that I was unable to answer. So I asked for the ticket to be sent up to a manager. Since then I have received 2 more payment emails. This is harassment and this company needs to stop immediately!!!