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

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX is reporting a payment status of 90 days late, XXXX  is reporting no late payments and Equifax is not reporting this account. XXXX XXXX XXXX : XXXX is reporting a payment status of 30 days late, XXXX  is reporting a status of 30 days late, Equifax is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX  and Equifax are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

Please take a look at my contract never did a agree that a XXXX monthly payment
Complaint sub-issue: Didn't receive services that were advertised

My data and my wife 's data was hacked at Equifax, their fault not mine. I have registered my SS # and have the service set up. I started trying to get my wife registered on XXXX XXXX through their web site. Nothing happened so I called Equifax, at the phone number in their email to me, it was busy several times, finally told to call another number. Equifax will not accept my wife 's data to activate the service because we have the same phone number and email address. Now they are pointing me back to the phone number I started at.
Complaint sub-issue: Trouble with how payments are being handled

Once again, FedLoan Servicing has incorrectly calculated the number of payments I have made that count toward XXXX XXXX XXXX XXXX ( XXXX  ). I sent in my most recent XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Based on that XXXX, I have made XXXX qualifying payments. On XX/XX/XXXX, FedLoan found that I have indeed made XXXX qualifying payments. However, on XX/XX/XXXX, FedLoan found that I have only made XXXX qualifying payments. On XX/XX/XXXX, I called FedLoan and asked them to explain the discrepancy. I was told that FedLoan 's computer was counting wrong but they would fix it. Since this is a regular occurrence ( this is my XXXX complaint with CFPB dealing with FedLoan ), I doubt FedLoan will fix the problem. It is clear to me that FedLoan has extreme structural problems in calculating qualifying XXXX  payments. Moreover, it is clear FedLoan is unable to correct these problems. Please investigate. Thank you.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$16000.00}
Complaint sub-issue: Was not notified of investigation status or results

Ive sent a letter to Equifax to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the freaking law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written cnt to report this on my consumer report! Remove it off my report ASAP!
Complaint sub-issue: Other problem getting your report or credit score

My equifax file is blank it has been blank for months comes up for 1 day then disappears I have called 26 times I have sent 35 emails I have faxed my license and ss card 8 times these people are destroying my life I have been waiting to buy a house for 6 months all because equifax file is blank
Complaint sub-issue: Information is not mine

I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response back was that they do n't have any information that pertains to me or my ssn. They also state that they do not supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail showing that this was in fact not my account and requested that they remove this account. They have yet to update my credit they fail so far to remove this account and experian wont allow me to dispute anything else with their company. I have went to my local police filed a report about my identity theft like the credit bureaus have asked me to do. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case. 

I have attached the second letter I have sent them and a copy of my police report.
Complaint sub-issue: Transaction was not authorized

I have a checking account and debit card with Discover Bank. Back in XXXX my debit card got charges with fraudulent charges from XXXX different companies and I immediately reported this to Discover Bank and they issued me a new card and investigated the charges. The smaller charge they solved but now 2 months later the {$830.00} charges they are saying that they have found to be my charges. The company is XXXX College XXXX XXXX XXXX which I have never heard of. I am almost XXXX and I am not enrolled in any college. I expected Discover to help me and I feel let down.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with XXXX by certified mail on XX/XX/2020. XXXX responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed Lexis Nexis as the furnisher of the Information. I then disputed the information with Lexis Nexis and on a later date ( XX/XX/2020 ). Lexis Nexis further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. XXXX was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from XXXX records. They are incorrect and are not mine.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Hello Ally bank has repossessed the car after me explaining the federal law that governs them. Me filing a 1099a and 1099c with the IRS with my taxes the illegal took a XXXX down payment and this morning I get ready for work they sent someone to illegal come on my property and take my car. These federal laws must be upheld. And they broke them. THANK YOU XXXX XXXX
Complaint sub-issue: Account information incorrect

An account with ACIMA CREDIT XXXX XXXX  was open on my credit report for {$4800.00} on XX/XX/XXXX. The status of this account was updated on XXXX XXXX. I have no knowledge or recognition of this account that is reporting on my credit report. So I did not pay this company. This account updated again on XX/XX/XXXX reporting that I know owe them a total of {$5000.00} on an account that is now past due and written off. Under the 604 fair credit reporting act this company is not allowed to report fraudulent or inaccurate information to harm the consumer credit report. The 604 fair credit reporting act also states that if an account is written off then the consumer is no longer responsible for this debt after 180 days of the account being written off. Remove this account immediately!
Complaint sub-issue: Trouble with how payments are being handled

Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. 

This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.
Complaint sub-issue: Investigation took more than 30 days

I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2021 the federal government made it possible for those who had defaulted on their student loans to get a refund of the payments they were making to get their loan back in good standing. I had been doing this for 7 months thru Trellis. I requested a refund of the money. I had been paying them $ XXXX/month for a total of {$930.00} when this possibility was made possible. I requested my refund of the {$930.00} on XX/XX/2021. They still have not refunded my money. I have made 3 attempts to contact Trellis and find out why. Each time they say the money was sent to the wrong address ( meanwhile I have received regular correspondence from them at my mailing address ) and they would send me another check. They initially told me it was processed on XX/XX/XXXX then again on XX/XX/XXXX. I still do not have my refund. When trying to escalate to a supervisor, they say the same thing as the first line employee. They have been no help and beginning to believe they are not sending it. Any help would be appreciated. Thank you for your time and attention to this matter.
Complaint sub-issue: Not given enough info to verify debt

I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Debt is not yours

On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX-XXXX  stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.
Complaint sub-issue: Personal information incorrect

I have submitted my identity verification multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help
Complaint sub-issue: Card was charged for something you did not purchase with the card

My card was used fraudulently without my permission and without my consent, My card was lost or stolen at airport and used All over the XXXX, I 'm XXXX XXXX  protected from fraud If I i file in a timely matter and send a affidavit of fraud as I did, THis has been done and they took charges off my account and put them on new account then they closed new account and now they are not even sending out a working card.. I filed the fraun report Months ago and they have had more then the time allowed to investigate and resolve this and have not down so!
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I contacted Equifax about my credit report and the remarks. According to the company the report stated that I had serious delinquency and public record or collection filed. I was aware of the public record but no collection files or delinquent accounts. After speaking with a supervisor I was advised that I had XXXX accounts that were charged off, one from XXXX XXXX that reported two lat payments in XX/XX/XXXX and reported a XXXX balance. I made sure I understood and this account came to Equifax reporting 1. XXXX balance 2. Charge off then two late payments. My question was if the account was paid and never reported a balance then how do you report it as been late? Then the account for XXXX 's which I disputed online with the Equifax monitoring and never received any follow up so this item should have been removed. Both accounts are older collection items and are reporting outside of the statue for reporting in which I have mentioned in my disputes. They have failed on all accounts to update and keep giving me that 30 day speech.
Complaint sub-issue: Report provided to employer without your written authorization

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or credit grantor 's internal collection department, seriously past due XXXX XXXX XXXXXXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late 2 time ( s )., revolving,30 days late,60 days late XXXX XXXX XXXXXXXX XXXX XXXX Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late, delinquent, past due XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX )., Was 30 days late XXXX time ( XXXX )., revolving,30 days late Please remove the accounts from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I'm contacting these agencies in regards to credit misrepresentations, there's collections on my report inwhich even the orginal account has been removed due the investigated accounts not being mines. So the collections themselves must also be removed, in order to satisfy the language in the FCRA, the dates to reflect them accounts are as following ... XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries in report that do not belong. I have tried disputing them and Im getting nowhere.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a US Bank ReliaCard that says it was for Washington DC unemployment benefits. 

I did not apply for those benefits, and I researched and discovered there is a scam in many states where people 's identities are being used to file false unemployment claims. 

I called the DC office on unemployment and when I indicated that I was calling about a debit card they transferred me over to U.S. Bank. 

One of the first statements the online recorded voice made was ( If you are calling about a card you received that you did not request, press # 1 ).

I pressed # 1 and was told that this was an invalid entry. Then it asked me to punch in the 16 digit card number again ( Which I hadn't been asked to do before ). 

I punched in the number on the card I was sent, and was told this was an invalid entry. I stayed on the line, and finally got to a point where they said I could wait to speak to somebody. Then it said the wait time will be ... ... .and it hung up on me. I've tried to get through to them but can not. 
When I researched online people in other states with the same scam have posted " Good Luck Trying to get through ''. 

This is a company that the government is using to fund money going to people. It is ridiculous that there isn't a rule that these companies must make themselves available to calls. Additionally, the longer I have to wait, the more likely this identity theft is going to impact my credit. 

I am requesting 2 resolutions. 

1. U.S. Bank Reliacard needs to provide an easy webpage to report fraud, and they need to have an easy call in system for people to get ahold of them. 

2. States or areas like DC that are using U.S. Bank Reliacard should not pass you off to U.S. Bank until they fix this problem, and should take the reports of fraud and deal with the bank directly.