Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX AR XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Vance & Huffman LLC.. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge XXXX  XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00} ( Original Creditor : ) XXXX {$0.00} XXXX  XXXX {$1400.00}
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19   inquires on my credit that I did not authorize. Please remove all incorrect information.
Complaint sub-issue: Information belongs to someone else

I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XX/XX/21 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.Ally XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!
Complaint sub-issue: Account information incorrect

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete
Complaint sub-issue: Account status

On XX/XX/XXXX I wrote a response to a letter from XXXX XXXX, which asked if I wanted to dispute information regarding a credit card that was originally issued by XXXX XXXX via XXXX. XXXX XXXX did not respond to the original letter. I therefore was able to get in contact with the dispute department and spoke to a representative of XXXX XXXX named XXXX, her information is contained in the attached documents. Although I stated in my letter that I did not have information from XXXX regarding this particular payment, she kept insisting that I contact them for a copy of a cancelled check, even though this had already been done and they were unable to provide this information. At this point she said that without this information she could not determine whether or not the account had been paid. I then asked her why are you reporting this as an accurate reflection of the account when you can not determine if the account was paid nor can you determine whether the account was unpaid, but yet there is a payment reported as received on XX/XX/XXXX? I also asked why the account was sold with an amount being owed as {$780.00} but XXXX XXXX is reporting a charged off amount of {$540.00}? 

I closed the account because of the way payments were being credited to my account and credit protection insurance had been added even though I had not requested it. I was able to find information sent to XXXX XXXX XXXX requesting that the account be closed and that the payment be accepted as final. This information included a copy of the check and the credit card cut in half. I also included copies of credit reports showing the payment being credited on XX/XX/XXXX, because I was unable to provide a cancelled check or a bank copy of the check that was written to close the account. The XXXX checking account had not been active since XX/XX/XXXX. Additionally, XXXX XXXX has called several times, even after being told in writing not to, and each time I request copies of the statements from XX/XX/XXXX through XX/XX/XXXX, but they have never been provided.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate the immediate action done and respond to my CFPB complaint, however, I totally disagree with what the Creditors and Credit Bureaus claims that the disputed accounts are reporting as accurate. I took the liberty to investigate my own Credit File and I will point out the inaccuracies I noticed : 1 ) the disputed accounts are reporting as late even though I never missed a single payment. I keep my own Payment Records and what the Credit Bureaus present is different from what I have ; 2 ) the disputed charge off account was not charged to me. The account reports as paid and agreed : and 3 ) there are inaccurate personal information that are reporting and must be immediately removed. I am submitting this CFPB complaint to request another investigation to be done and have the disputed accounts and information deleted from my Credit File as soon as possible. Also, the Credit Bureaus have been claiming that the disputed accounts and information are verified without sending me copies of the result of their investigation. Once again, have the disputed accounts and information corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency.

They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has viloated my rights. 
XXXX IXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me
Complaint sub-issue: Card was charged for something you did not purchase with the card

Since XX/XX/2020 my credit card with Citigroup has been a victim of internal fraud, which has cause immense equitable harm and injury. On XXXX, While on a recorded phone call with Citigroup Credit Line Management ; I spoke with a Citigroup agent named : XXXX, with Agent ID # XXXX, this agent confirmed that several payments one for {$250.00}, 2nd for {$510.00} and 3rd for {$490.00}, were made to the account and " Would Not Be Credited '', because Citigroup had the right to not credit the account and remove all funds from the account without authorization for the account owner. I was then instructed that Citigroup was closing the account without warning or reason and not return any of the funds that they have received. Since XX/XX/2020, until this day XX/XX/2020, Citigroup has altered the ledger bookkeeping of the account multiple times and has applied a " Certificate of Deposit for - {$500.00} '' to the account, and still refuse to allow the account owner access to these funds.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 Equifax stated that they verified these inquiries and did not send proof on how they verified these UNAUTHORIZED inquiries nor sent documents showing I gave permission to authorized nor my signature. I need these inquiries deleted asap.
Complaint sub-issue: Their investigation did not fix an error on your report

Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Complaint sub-issue: Having problems with customer service

I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Complaint sub-issue: Problem with statement of dispute

I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.
Complaint sub-issue: Billing problem

I was behind on car payments so my car was repossessed by Ally Financial on XXXX XXXX 2022. I made the payment of the amount that was due of {$2100.00} in full on XX/XX/ 2022 plus made the additional car payment that was due on XX/XX/ 2022 of {$510.00}. As of XX/XX/2022 Ally Financial has yet to send my release paperwork to the auction that currently has my car. After many calls to Ally Financial and the auction that has my car every day since XXXX XXXX 2022 I am still without my car and without answers as to why the release paperwork has not been sent. Every time I speak with someone at Ally Financial they tell me that they have sent the paperwork and are not sure as to why the auction has not received it and that they will send it again and still no results.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither CRAS ( XXXX, Equifax, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Complaint sub-issue: Debt is not yours

This debt does not belong to me. I've asked them 5 times to validate it, and they can not. 
I asked them to show me where I signed to open this account they said they don't have anything to prove. They have nothing providing this account is mine I lived at XXXX XXXX XXXX XXXX  Ny XXXX at the time they said debt occurred.