Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX  # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : 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 I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Most recent attempt to get erroneous information not accurate removed from my credit report. XXXX continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

Lexis nexis continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my lexis nexis file that they refusing me when my identity has been verified. Its been more than two years since I have been provided access to my file.
Complaint sub-issue: Account information incorrect

EQUIFAX VIOLATES SECURITY FREEZE LAW. LAW DIRECTS EQUIFAX TO SET UP A SECURITY FREEZE. I ASKED EQUIFAX TO SET UP SECURITY FREEZE. BUT EQUIFAX WROTE ME IT REMOVED THE FREEZE. BUT MY ADDRESS WAS WRONG. I NEED IMMEDIATE FREEZE VERIFIED BY A COMPLETE CREDIT REPORT FROM EQUIFAX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXXXXXX XXXX XXXX - Account number 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

On XX/XX/XXXX, I contacted Equifax credit bureau to dispute an account reported in collections, that had already been deleted in XX/XX/XXXX. 
I spoke with the representative, and she agreed that she saw that the account had been deleted a year ago, due to fraudulence. She reviewed that I sent in a letter a long with the police report. 
She then told me that they would have to reinvestigate. Of course I was confused, but I allowed it. 
This morning XX/XX/XXXX, I spoke to another associate ID # XXXX she stated that they verified the account. 
I asked her what was used to verify the account. 
She stated that the furnisher provided the correct balance and name on the account. 
Being that I am claiming the account is fraudulent, I asked if the furnisher provided proof of contract with my signature and proof of Identification. 
She stated that they DID NOT provide such proof. 
She then demanded that I send all the information SENT LAST YEAR, AGAIN, because they no longer have all the documents Sent prior, that caused them to delete the account in XX/XX/XXXX. 
I find this to be ridiculous! I recently had to have other aliases and addresses from my report that did not belong to me. They also do not have all the positive accounts that belong to me on my report with them that appear on XXXX and XXXX. 
( This is clearly an error on their part due to a partial reinvestigation, and continuing to allow false information on my reports. Which I failed a claim on the data breach suit. ) When I asked to speak to someone else, she told me that she has no legal department for me to speak to. She then told me she would have to disconnect call, when I asked for her associate ID, because I had her on speaker phone. ( while sitting in my car alone ).
Complaint sub-issue: Attempted to collect wrong amount

I keep getting bills from XXXX trying to collect an amount the is NOT correct. XXXX removed the items from collection status and sold the bill to a collection company now they are trying to collect on a debt that is not correct. There has to be a lawsuit for this.
Complaint sub-issue: Reporting company used your report improperly

After reviewing my most recent credit report. XXXX XXXX, Equifax and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Public record

There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.
Complaint sub-issue: Account status incorrect

I switched payment schedule from mail to direct deposit and the company has me 30 days late which is incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Public record information inaccurate

EQUIFAX REMOVED A PAID TAX LIEN FROM MY REPORT IN  XXXX . TODAY,  XX/XX/XXXX , THE RE-INSERTED THIS SAID PAID TAX LIEN BACK ON TO MY REPORT. THIS IS IN FACT ILLEGAL.
Complaint sub-issue: Fee problem

On XX/XX/2020 I called US Bank per my rights in Regulation E, I filed a dispute for a company that charged money from my account without my permission. 
It seems that the agent placed a stop payment against the merchant without me requesting the stop payment. 
On XX/XX/2020 I was charge an Analysis Service Fee by US Bank ( invalid charge ), I was checking the US Bank website and there is nothing about Analysis Service Fee. 
On XX/XX/2020 I called US Bank Business Depto about the Analysis Service Charge and I spoke with XXXX, he said that when I filed the dispute a stop payment was placed against the merchant and that is the Analysis Service Charge for. 
I never requested the stop payment and I think is against Regulation E to charge for a dispute process even for any fee related with the dispute process. 
This is the second time that this happens to me with US Bank and the agent mentioned that it will continue happening because if a stop payment is placed on my account in the dispute process the Analysis Fee will be charged the next month post the dispute request and then I have to call and deal with all this situation to get refunded for the fee. 
On XX/XX/2020 I requested the refund and the agent said that I have to wait 1 or 2 business days to get the money back, money that US Bank charged incorrectly for my account. 
Now US Bank is moving my money and using it without paying interest and I am sure that there is a lot of clients having this issues as well.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I called Sallie Mae on Thursday, XX/XX/XXXX, I waited almost and hour and half before I spoke to a live agent. After a one minute conversation with an agent I was transferred to a department that was closed and the call was disconnected. I called back on Friday, XX/XX/XXXX and told I was ineligible for forebearance, I had to keep automatic draft in order to remain enrolled in their hardship program. I was informed that if I took forebearance or took away automatic draft to prevent overdrafting my account I would not be able to enroll in the hardship program and my monthly payments would be {$4000.00}. I was informed that since sallie Mae is a private, they do not do income based repayments which is setting people up for failure!!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 XXXX # XXXX, XX/XX/21 # XXXX still referencing bankruptcy. 
XXXX XX/XX/21 # XXXX, XX/XX/21 XXXX verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 # XXXX all still referencing the bankruptcy in there files. Not one time has any dispute come back no bankruptcy and the common denominator here is LexisNexis.
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, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

I have {$380.00} in collections according to XXXX XXXX because of Hunter Warfield. They believe I still owe my apartment complex more money after moving out.

I paid my deposit of {$400.00} that's in my lease that me and the manger of said complex signed but the lease has been ignored and they believe I only put down {$100.00} deposit. 
I have sent my lease agreement to them and received no response.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I filled out an online survey for XXXX XXXX to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.
Complaint sub-issue: Problem with fees

I had an automated debit scheduled with Discover credit card, on XXXX to take {$140.00} out of my checking account to pay my credit card bill. This is completely automated and has always taken processed correctly the day my payment is due, the XXXX. On XXXX I logged onto my Checking Account to see I got an return check fee of {$30.00} levied against my checking account. I contacted the bank and they told me Discover did not attempt to bill me till XXXX. My bank attempted to process this charge that occurred on XXXX, after a series of withdrawals and point-of-sale purchases that occurred from the XXXX to the XXXX, in order to force the bill to present against insufficient funds. There were sufficient funds on the XXXX, XXXX, XXXX, and XXXX. The bank deliberately processed a sale that occurred on the XXXX first before the credit card charge from the XXXX, in order to force the insufficient funds when they should have been blocked at point-of-sale. 

I contacted Discover customer service and spoke to XXXX, XXXX XXXX. She informed me that my payment was withdrawn from my checking account, and was cleared - I would not have any late payment penalty or fees and my bill from the XXXX was withdrawn from my bank and paid on time on the XXXX. I reported my bank for defrauding me with the return check fee, which is still pending resolution with the FDIC. 

On XXXX Discover filed a return charge of {$39.00} dollars and rebilled my checking account. 

On XXXX I logged into my online banking with Discover and return fee and rebill. This means that both my bank and Discover lied maliciously about the date of the transaction in order to defraud me with bogus fees.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I am receiving a call from a gentleman, that states he is a lawyer for a business under the name FAST CASH a payday loan service. He states that I have taken a loan out with them of {$600.00} on XXXX, that I have no remembrance of. There is no indication of such account on any of the three credit bureaus. He states that I now owe {$1300.00} and must pay or I will be sued. He seems to only know so much about the business he represents. Also sent me a email with an unprofessional letter head, under the email address XXXX. The business name on the letter head is XXXX XXXX XXXX XXXX, I can not find them with the XXXX or anywhere else. The address on the email traces back to a shopping center in which i called and has no firm in it. This man continuously calls my place of work. The company he claims to represent says they have no record of me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, I sent a letter requesting that Equifax provide me with its method of verification. They have not done so, instead, Equifax just opened up another dispute and has not sent any method of verification to me.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX has shared my personal illegally with the scam company Johnson Mark without notifying me of selling my information. Johnson Mark has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched Johnson Mark in my state and they don't even have a collection license. XXXX XXXX has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to XXXX XXXX. What kind of XXXX  are they running? Create a XXXX make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like Johnson Mark which has a website with no information that could've been made by a XXXX XXXX XXXX. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
Complaint sub-issue: Account information incorrect

this complaint comes after exhausting all my administrative remedies against Macys to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and Macys never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and Macys without a successful resolution to the issue. additionally Macys never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request Macys clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is reporting an account on my consumer report without my expressed written consent. I am a consumer who is not in contract with EQUIFAX and I do no consent to the reporting of XXXX XXXX on my consumer report. 

This is a violation of my privacy rights and a violation of 15 USC 1681b Permissible purpose of consumer reports. Under 15 USC 1681b ( 2 ), EQUIFAX can only furnish this account with my expressed WRITTEN consent. No consent is identity theft under Federal Law.

I initially notified EQUIFAX on XX/XX/XXXX, and followed up with that notification on XX/XX/XXXX. EQUIFAX sent me an automated e-oscar response dated XX/XX/XXXX stating " We verified that this item belongs to you. This account has been updated... '' In my initial notice I state that " An automated response or e-Oscar verification is unacceptable. '' I notified EQUIFAX of their violation of 15 USC 1681b Permissible purpose of consumer reports because they do not have my expressed written consent. And they have failed to comply with the law. EQUIFAX now has reasonable cause to know that the mentioned account is being reported without my consent.
Complaint sub-issue: Trouble getting, activating, or registering a card

I am a victim of identity theft and Im have problema recieving any kinda of benefits because of fraudulent people who redirected my mail and duplicated my accounts and cant verify my identity have left me homeless and with no money. I can never get approved for anything. I have benefits on prepaid card XXXX cant seem to get to. Investments like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had closed out my accounts. XXXX, XXXX, XXXX, XXXX down to my imcome taxes from XXXX. I have recieved absolutely nothing and need to know what's happen to everyting I applied for
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am currently going through extreme financial hardship due to a canceled project from the XXXX   and now I have a XXXX XXXX which has put me out of work for at least 6 to 8 weeks so I have no income. I have called Citibank financial hardship to see if they can help me and they told me I did not qualify. I asked to speak to a manager and I asked why I could not qualify since I have no form of income and I am facing potential homelessness due to financial hardship, And he told me that he does not know why and could not get me to a person that would explain or be able to explain why I did not qualify for financial hardship. His name is XXXX his employee number is XXXX. I asked for this information at the end of the phone call so that I may make this complaint. This call was made on XX/XX/2020 at around XXXX in the morning
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Equifax is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX