Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I contacted XXXX on or around XX/XX/XXXX regarding incorrect information on my report ( false addresses, et cetera ). It has been over 30 days since, so the dispute has expired off their website, so I can not accurately relay to you everything I disputed. I have had this problem with all three companies ( XXXXn, Equifax and XXXX ) regarding addresses I have NEVER lived at before, hence when I answer personal questions to verify my identity, it asks me things that I have literally no way of knowing. This is why I have tried correcting the addresses on file. 

XXXX proceeded to send me an amended credit report to AN OLD ADDRESS. The only way I KNOW of this is that my brother still happens to live there. I have not lived in that house in over ten years. 

I have the same problem with XXXX. They have incorrect addresses on file, some that are just outright nonexistent, and when I tried correcting the issue, the only thing they were able to do was remove the nonexistent ones. They corrected the ones that were wrong, but they did not change my current address. I tried to buy a XXXX XXXX through XXXX XXXX site, and they verify credit through XXXX. I only know this because it did not work with my current information, but when I utilized the WRONG information listed on XXXX, it verified my identity on XXXX XXXX site. I have tried to explain that the addresses they have listed are in the wrong order, and are completely incorrect in terms of my timeline for living in them. They still think I'm living in Florida, in my very first apartment there, from ten years ago. It should also be said that due to their incorrect address information, I am unable to pull my credit report from them online due to incorrect questions being asked. There is no conceivable way I know the answer to half of them, hence I must've gotten one wrong at some point because it has now locked me out of accessing my credit report any other way than to mail things in. It is incredibly infuriating. 

With Equifax, my credit report with them is literally the shortest-lived report of all three. They have barely any information to give me, and when companies try to pull my credit, Equifax refuses to come up. I have checked multiple times to see if there is a freeze or a fraud alert on my account, and as far as I can tell there are neither. I even went so far as to FAX IN MY INFORMATION to those XXXX because they demanded it to verify my identity by phone and give me any further information, and those pieces of XXXX claim they never got my fax. I had to spend a dollar per page, three pages, just to fax something to them, and they LOST MY XXXX INFORMATION. It seems to be a trend with Equifax, I guess. My husband and I are trying to buy a home, and so our credit is having to be checked. Fortunately they can pull two of three up for me, but even so, the fact that Equifax just adamantly refuses to pull for me is concerning. I can not make heads or tails of it and NO ONE there is willing to help me at all. It is the most aggravating feeling, feeling like someone is holding my entire existence hostage.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.
Complaint sub-issue: Account status incorrect

I was on forbearance with XXXX and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.
Complaint sub-issue: Information belongs to someone else

My XXXX  XXXX XXXX credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges on the account.
Complaint sub-issue: Attempted to collect wrong amount

Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. 

They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.
Complaint sub-issue: Account information incorrect

I have already corrected information regarding XXXX XXXX and received fraudulent information stating I opened an account t with a name XXXX XXXX XXXX with XXXX XXXX XXXX which is a blatant lie. REMIVE this now before I sue!!
Complaint sub-issue: Problem with personal statement of dispute

I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX  property.
Complaint sub-issue: Information is missing that should be on the report

I am missing a credit card from XXXX  XXXX on my equifax report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with XXXX  not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.
Complaint sub-issue: Personal information incorrect

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX Florida XXXX and Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Report improperly shared by CRC

First off ... I send in a request to investigate the misuse of my credit file and Consumer Financial Protection Bureau sends me an email to contact you. I have contacted CFPB over XXXX times, but only got through once. I 'm not calling again. Do the research and fix the issues that I am providing you. 

Equifax has been allowing companies unauthorized by me to view my credit file. I never gave approval for anyone to look at my credit file. I have also had a fraud alert in place with Equifax and I was under the impression that Equifax would contact me if someone was trying to apply for credit with my credentials. I have not applied for credit on some of the listed account on my file. I know that it is illegal for the credit reporting companies and for creditors to look at my file without my approval. According the FCRA, I am entitled to fines up to {$1000.00} per infraction from XXXX parties. Also according to the FCRA, it is illegal, unlawful and unjust to provide my credit file without my approval. I have not seen my signature on file with any of these companies, nor have I signed anything giving them approval to view it. Equifax is to blame for this.
Complaint sub-issue: Didn't receive enough information to verify debt

Ra Rogers Inc Collection contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this Ra Rogers Inc Collection an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to Equifax and 1 to  XXXX. I did not authorize any such requests. 

Equifax received Inquiries from - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX received an inquiry from - XXXX  XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both Equifax and XXXX ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I paid Acima Credit my final settlement agreement payment to close and fulfill an old debt. I was advised that this would be updated on my credit report in 30 days and it would reflect as a paid/settled account status. I reached out to Acima on XX/XX/XXXXto advise that my report had still not been updated with XXXX  and the representative, XXXX, advised me that an update had been sent to the credit bureaus on XX/XX/XXXXOn XX/XX/XXXX I reached out directly to XXXX  who advised me that the account was still reflecting as a derogatory charge off. The representative at XXXX  opened a new dispute on XX/XX/ along with my settlement confirmation receipt that I received from Acima Credit and Acima responded to the dispute on XX/XX/ reporting that the account was STILL charged off and in a derogatory status. Today, XX/XX/XXXX I reached back out to Acima and spoke with a supervisor by the name of XXXX that could not provide me any additional information behind why my account is still incorrectly reporting and negatively impacting my credit. I am in the process of trying to buy a home and Acima Credit is reporting incorrect data that is hindering the process and impacting my credit score and credibility.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax responded to a letter I sent them with a letter conformation # XXXX, the letter states that XXXX XXXX XXXX is not reporting. But the website and customer service is stating that XXXX XXXX XXXX is still on my report. They stated on the phone that somethings wrong left me on hold for 30 mins and hung up.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I recently met with my Realtor regarding my purchasing a new home. After pulling my credit report. I was informed of a collection from IC Systems. I saw this previously and disputed. This collections with XXXX. To no avail, as always XXXX sided with the Credit collection agency. Without receiving any proof of validity. So I went looking for any paperwork. I never signed an agreement or authorization with XXXX, or IC Systems.I also, did not sign an agreement of recurring monthly payments with XXXX or IC Systems. I was asked if I 'd be interested in signing up for Optimum Wellness Plan. That was it.I was charged for a Wellness Plan.I was charged for my 1st month payment.I was never given or received a copy of a signed agreement, nor was I informed that I ' d be charged a monthly recurring fee. I wouldnt have agreed to that. Seeing as I never utilized the Wellness Plan.I received the attached document that I was given. No signature b/w myself or XXXX or IC System.
Complaint sub-issue: Their investigation did not fix an error on your report

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Reporting company used your report improperly

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXXXXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX XXXX  : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I initially contacted XXXX on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by I C Systems. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how XXXX conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from I C Systems as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with BEST BUY/CBNA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'XXXX XXXX XXXX XXXX, and the Balance is {$56.00}. The Original Creditor is 'XXXX   XXXX XXXX XXXX XXXX '. 

After the communication with 'XXXX  XXXX XXXX XXXX, they told me that the bill was from XXXX XXXX XXXX They also showed me the billing statement from XXXX XXXX. That statement was for a home insurance policy ( XXXX ). 

However I never bought the home insurance from XXXX XXXX. I did ask about the home insurance of XXXX XXXX in XXXX on the phone, but I never agreed to buy it because it didn't fulfill the requirement of the mortgage lender. I never signed any contract/agreement with them to buy the home insurance. I don't have any homeowner insurance contract with XXXX XXXX at all! 

I filed a disputation with Equifax on XX/XX/XXXX. After a long time waiting, I received their investigation result on XX/XX/XXXX. The result is really disappointing, they said the collection account belongs to me! But Equfax didn't provide any evidence/document to show why did they thought this collection account belongs to me! 

I am very surprised with the investigation result from Equifax. I also filed the same disputation with XXXX and XXXX, both of them also made investigation and finally removed that collection record from my credit report. 

The collection information on my credit report has hurt my credit score severely. Equifax must remove that collection information from my credit report!
Complaint sub-issue: Was not notified of investigation status or results

Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX which has been paid off and the receipt showing this has been attached. Lastly Equifax has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You