Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

XX/XX/XXXX, I incurred a debt with XXXX XXXX. Since then, the company has repeatedly transferred the debt back and forth between collection agencies and themselves, and then extending the " reported '' date. Now on my credit reports, the " reported date '' says XX/XX/XXXX -- when the debt was incurred almost 4 years earlier, and should actually drop off my credit report XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

To whom this may concern I been trying to resolve this issue with the department of education/nelnet with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX  has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is missing that should be on the report

I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.
Complaint sub-issue: Their investigation did not fix an error on your report

There was an incorrectly reported repossession that was reported on my credit report in XX/XX/2010 by XXXX XXXX XXXX. There was no repossession. No other bureaeu reports this except Equifax. I have contacted XXXX and they blame Equifax for inaccurate information and it is on them to correct. Equifax will not remove this item, besides being inaccurate this is beyond the 7 year reporting mark on credit. I'm being punished with false information that they will not remove from my credit report. This has stopped me from obtaining credit. I do not understand how a company can report false information, and beyond the time frame for reporting and still not remove it.
Complaint sub-issue: Can't get flexible payment options

I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging.
Complaint sub-issue: Debt is not yours

XXXX and XXXX alerted me to a " Attempt of Collection '' by Americollect Inc. No such debt exists. Claims to be collecting on behalf of " XXXX XXXX XXXX XXXX XXXX '' which tells us we have a CREDIT on our accounts. 

Prior to the appearance on our credit reports, we were never contacted by XXXX XXXX XXXX XXXX XXXX or Americollect Inc., and following this appearance on our reports, when we contact both XXXX XXXX XXXX XXXX XXXX or Americollect Inc., neither can offer an explanation as to why their names are on our credit reports, and Ameicollect has not replied in any fashion to our requests for explanation nor expulsion from our records. 

Proof of CREDIT from statement PREDATING filing with credit bureaus is attached
Complaint sub-issue: Public record information inaccurate

On  XXXX   XXXX .   XXXX    XXXX  received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )   On   XXXX   XXXX ,   XXXX     XXXX   received m y 2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my  XXXX  credit report.     They have removed public records, but, the state tax lien was not removed.
Complaint sub-issue: Problem getting my free annual report

I have been trying to get a copy of my credit report from equifax for months. I tried annual credit report.com no such luck it told me I did n't answer the questions correctly. Which tells me something is on it that should n't be because the questions were about mortgages and I do n't have a mortgage. I have called them. Did n't get anyone that I could understand and I sent in a form and got it back telling me I did n't send ID and attached to the form is a copy of my ID. I tried to sign up for the plan at equifax.com and get it online. no such luck. I 've also tried for several weeks to get the pin number to remove the freeze from several years ago. No such luck there either. I keep getting the run around.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. Equifax and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Account information incorrect

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 for 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 account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report wrong information on my credit report. I have called, done online disputes, chats, sent them notices in writing. The other 2 XXXX and XXXX have corrected the issues but equifax refuses to.
Complaint sub-issue: Company closed your account

To whom it may concern, I received a letter yesterday ( XX/XX/17 ) dated XX/XX/XXXX informing me that Citi had closed my account due to lack of activity. This was the first communication I had heard from them regarding the inactivity and the potential for closure. 

I called the number on the letter, and requested to re-open the account. I was told that I would not be allowed to do so without a hard inquiry into my credit. This would of course have a negative impact on my credit score. I also requested that they transfer the line of credit onto another of the cards that I have open with Citi,  which was denied. 

I requested escalation and was connected to XXXX who is an Account Manager with ID # XXXX. She told the the same information. 

I have been a long-standing customer of Citi credit card and banking, and by having multiple card accounts across different financial institutions, I am aware as well that these practices -- the lack of notification and lack of remedy without a negative impact to the consumer -- are irregular within the industry, and are highly anti-consumer. Additionally, having an account closed by the company could reflect badly on credit reports and scores as well, both through the closure, as well as the reduction in outstanding credit in the debt/credit ratio. 

Citi knows I am a longstanding customer in excellent standing who has never failed to pay my obligations every month on time, and in fact still sees fit to extend me credit via other cards -- this decision had nothing to do with creditworthiness, just account activity. Therefore, I insist that the account be re-opened without a detrimental hard inquiry into my credit, or that I be allowed to transfer the full credit line to another Citi credit card account. 

Thank you for your consideration.
Complaint sub-issue: Problem getting your free annual credit report

Monday XX/XX/2022 I called Equifax after applying for an apartment and the apartment saying they couldnt pull my credit report. I spoke with a rep who verified me with a link where I uploaded my drivers license ( front and back ) and a selfie to prove my identity. He then said everything was fine on their end, no freezes or issues, and that it must be the rental agency. The rep said I could create an account and pull it myself so I attempted it while on the phone with him. I immediately got an error code NH which means no hit so I wasnt able to access the report. The rep said he would escalate the issue but Im now at risk of losing out on the apartment if they cant pull this report. They refused to email me the document or get me immediate access.
Complaint sub-issue: Debt was result of identity theft

I had several calls from a company acting like the real AFNI Collector 's agency that XXXX XXXX XXXX uses when people don't pay their bill. I called the real number for AFNI provided by XXXX XXXX XXXX and they said for several days now that their system is down. The letterhead I'm receiving is from a fake AFNI collector 's company. I noticed they have a different XXXX XXXX number and a different contact number on the form that XXXX XXXX XXXX has provided me with. The hackers or thieves trying to get money from people are sending out what looks like real bills collecting funds owed to XXXX XXXX XXXX. These are fake bills that they are posing to be the real AFNI COMPANY. AFNI does work with XXXX XXXX XXXX to collect fees not paid on a timely manner. If you don't pay the fake company for AFNI - they somehow put the amount of XXXX on my credit reports. Very serious fraudulent activity going on here. Please help by passing this on. I had done my own research to find all this out! I hope this helps someone out there. DO NOT PAY this if you know it's not your responsibility.
Complaint sub-issue: Information belongs to someone else

I have complained & disputed called and sent letters explaining that the account for XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I do not know what else to do but keep letting you all know. Please delete these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I want theses account deleted : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Equifax and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXXXXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/XXXX and Equifax and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX XXXX and XXXX is reporting a high balance of {$1800.00} and Equifax is reporting nothing, Balanced owed XXXX and Equifax is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX
Complaint sub-issue: Received bad information about my loan

I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

Discover does not correct my XXXX bureau with proper balance
Complaint sub-issue: Their investigation did not fix an error on your report

I had Equifax investigate a dispute twice wit h   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . whose acc ount number for the account in question is  XXXX . I disputed this account because I have had no relationship with them and the information they were providing Equifax showed I made a payment to them o n  XX/XX/XXXX  which   coincidently shows that date as the last date that Equifax reported it updated. It was only updated when I requested the disputes. It came back verified as accurate both times even though I have proof that this account had erroneous information being reported by Equifax. Equifax told me to contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  to validate information. I s ent  XX/XX/XXXX  a request for  validation and proof of payment with proof of receipt on   XX/XX/XXXX  . I have not received anything from    XXXX   XXXX   XXXX   XXXX     regarding the validation of the above account. I called back to Equifax and they said there was n't anything else they could do.
Complaint sub-issue: Billing problem

Dear Sir or Madam, Ally bank is stating I owe them {$330.00}. They are claiming that XXXX XXXX  withdrew money from them that they never received. The transaction happened through a 3rd party service called XXXX XXXX. XXXX XXXX will not speak to to me only to XXXX XXXX. I spoke to 3 different representatives from XXXX XXXX who claimed I do not owe ally bank any money. 1st XXXX Representative : 2nd : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX XXXX PA XXXX XXXX XXXX Also XXXX from XXXX XXXX # said to use code XXXX for the case. I 've been corresponding with XXXX XXXX from ally Bank her address : XXXX XXXX XXXX XXXX MI XXXX tel # XXXX FIle # XXXX Below is a letter I sent to ally bank which list all the events. I ca n't get the bank representatives to talk to one another. <P/>Ally XXXX. XXXX XXXX XXXX, MN, XXXX RE : Acct. # XXXX Dear Sir or Madam, Below is a chronological order of facts in reference to above account. <P/>XXXX XXXX Leased a car through ally bank. XXXX XXXX, XXXX Returned car. Leased ended. XXXX XXXX, XXXX Received Satisfactory letter from ally bank. Account paid in full. XXXX XXXX, XXXX Paid ally bank electronically {$330.00} by mistake through XXXX XXXX. I had no account with ally bank. XXXX XXXX Called ally to have money returned. They said they had no record of it. XXXX XXXX Called XXXX XXXX to get record of it. They said to call ally back. XXXX XXXX Called ally back still no record of it. XXXX XXXX, XXXX Had XXXX XXXX pull payment of XXXX out of ally bank. XXXX XXXX, XXXX Received letter from ally Bank stating they had not received final payment. I called ally bank and explained to them what happen. They claimed they would close out file. XXXX XXXX, XXXX Received a letter from XXXX XXXX XXXX XXXX. Also I received phone calls from them. I spoke to XXXX XXXX and explained what happen then mailed him a copy of Satisfactory letter. I also tried to call ally Bank but they keep transferring the calls to XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX Received phone calls, letter and an email from XXXX XXXX XXXX claiming I owed XXXX to ally Bank. Sent Satisfactory letter to XXXX. XXXX XXXX, XXXX Sent request to XXXX for validation of debt. Sent Satisfactory Letter to XXXX. XXXX XXXX, XXXX Received letter from XXXX XXXX XXXX claiming I owed XXXX. Sent Satisfactory letter to XXXX XXXX XXXX. XXXX XXXX XXXX Received letter from ally Bank claiming I owe XXXX. Called XXXX/XXXX/XXXX spoke to XXXX at ext. XXXX explained all to him and he said to call back XXXX/XXXX/XXXX. I tried to call a couple of times and after long hold periods I hung up. <P/>This matter has been going on to long not to mention the harassment from Collection agencies. I ask for a respond to this letter within 15 days. You should also notice the car payment with ally Bank was approximately {$250.00} not XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I 'm a victim of identity theft some took my information and try opening up lots of accounts in my name and left lots of heard inquiry on my report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

When I reviewed my 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Inadequate help over the phone

Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.