Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I disputed some of my accounts through Equifax asking for verification. XXXX of the accounts were charged off in XX/XX/XXXX. They sent me back " verification '' of the accounts with only a balance and missing payments which are already found on my credit report. The accounts were opened in XX/XX/XXXX so I wanted to see actual verification with a signature and other documents. After sending the " verification '' they updated my account to show these XXXX charged off credit cards as my current revolving balance. These accounts were not on my revolving balance for years and I have received no bills for these accounts. This took my credit score down over XXXX points. Can you please help me with getting these accounts removed or at least removed from my current revolving balances. Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Accounts that I have disputed still appear on my credit report and are unverified
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to MRS Associates who illegally and without my consent have violated my privacy. 

I am requesting MRS associates and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with MRS and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.
Complaint sub-issue: Problem with personal statement of dispute

Two of the three credit reporting agencies remove both bankruptcies on my credit report except for Equifax. I believe Equifax is trying to keep my credit score lower to prohibit me and my family from owning a home. I asked previously about removing the bankruptcy and was denied. However XXXX and XXXX did so without me having to request the removal. I also noticed that XXXX took XXXX points away from my account just last week for no reasonsee documentation. I have paid my accounts down and they still took XXXX points away, AGAIN.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020
Complaint sub-issue: Information belongs to someone else

XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Received bad information about your loan

While attempting to refinance my mortgage, my lender notified me that I had a delinquent account with American Education Services. I logged into my account and noted that I currently owe XXXX dollars and searched through my account related letters and billing statements, noting that there were no bills located within the account. I emailed AES on XX/XX/XXXX and XX/XX/XXXX and spoke to AES representatives on XX/XX/XXXX and XX/XX/XXXX. 

During my conversations the customer service representatives could not find any bills related to the account, and, were unable to find information related to why the accounts were listed as defaulted. The first representative encouraged me to sign a formal letter asking for confirmation and copies of bills related to the account given that I had never received them. He then told me ( on XX/XX/XXXX ) that I would receive a form in my email that I could sign that would " bring the account current '', no such email was received and I reached out again on XX/XX/XXXX. 

I am confused as to why I have never received a bill related to this account and am requesting that the late fees be waived, and, that the account be marked as current.
Complaint sub-issue: Account status incorrect

My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for US. Bank mortgage but this information is inaccurate. I disputed the reporting with XXXX in addition to US. Bank. I provided a copy of my XXXX bank statement to both U.S. Bank and XXXX. I received a document from XXXX stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. U.S. Bank sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to US Bank through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both XXXX  and US Bank claim. My bank statements reflect a transaction number for both payments in which USBank can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, US Bank dispute letter is my XX/XX/2018 bank statement from XXXX Credit Bureau.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. This company has failed to remove these fraudulent accounts and inquiries in 4 days of receiving my identity theft statement. this is a violation of 15 U.S. Code 1681c2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Invalidated/unauthorized inquiry Results of the Equifax data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from my credit report.
Complaint sub-issue: Personal information

I had been trying to get a copy of my credit report from Equifax Reporting Agency for over a year. I placed a fraud alert with the other credit reporting agencies after I became a victim of identity theft. I also created an Identity Theft Report with the Federal Trade Commission. On XXXX, I placed a dispute investigation online with Equifax which enabled me to finally see a copy of my Equifax credit report. I noticed that Equifax has been sending copies of my credit to an incorrect address and they have a couple of addresses listed as belonging to me that are also incorrect. I updated the correct information and placed a statement on my credit report. Today, I got an email from Equifax saying that they corrected my report but Equifax still has the same incorrect information. My address is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never live in XXXX, XXXX or XXXX, XXXX or XXXX. I do not use my initials or my middle name as my first name. I sent all the information showing this and Equifax has been sending my information to the wrong address. I am also requesting a seven year fraud alert to be placed on all of my credit reports since my personal information has been going to another address for years. My correct mailing address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is showing on my EQUIFAX CREDIT REPORT but it is not my account, I am a victim of Identity theft
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this matter as soon as possible. Thank you!
Complaint sub-issue: Account status

Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX i was notified by a height finance a loan company out of XXXX mo. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XX/XX/XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it 's my debt. My accounts and checks where stolen from the bank of Missouri there was several with draws taken out and also drained our savings account.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Bankruptcy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. And XXXX has never been late
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem with fees

False/wrongful Debt Collection from BestBuy/CBNA was reported to all credit bureaus has remained open since XXXX  without my knowledge. The account was to be closed the same day it was opened. The Best Buy employee didnt have my name correct or the correct address and above all that it wasnt the card I even applied for, I applied for a card that did not have an annual fee. I was expecting a check for the down payment/first payment that I put on a laptop I purchased but then returned the same day not 30 seconds after the purchase went through. I was told that because the account had technically been opened I couldnt get back my {$300.00} cash that I had literally put towards the first payment/down payment since it now fell under the credit card companies responsibility. Being that the name and address were incorrect I couldnt even log into my account to resolve this and therefore assumed that it was closed like I was told. Best Buy/Citibank/CBNA to this day still owes me a check for {$300.00} and I would appreciate a call from management to have it reimbursed to me and this stricken from my credit report because its honestly the right thing to do. Its frustrating for me to not have someone that can actually help me that works for that company for they cant even bring up my old account because its been so long which is just lazy and extremely poor business practice, not to mention disgraceful to say the least. I have contacted Citibank and spoke with multiple people who just say sorry, cant help you but they really just wont help me. I have tried so many times to resolve this in every way I can think of and even more Im tired of everyone delegating my issue to somebody else who just points their finger at another department spinning me in circles wasting my time and causing more frustration on an already frustrating issue. Is this really how how people should be treated and how a company should do business? This needs to be resolved.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but Equifax and XXXX denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Complaint sub-issue: Fraudulent loan

When working with a counselor at XXXX XXXX XXXX in 2003, they directed me to take out private loans as the best option. This was not the best option for many reasons, also my loans would have been forgiven through XXXX XXXX XXXX XXXX if they were federal because of the fraudulent activity found with XXXX XXXX practices. American Education Services does not acknowledge these fraudulent activities and unwilling to make any changes to my loan amount.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt is not yours

Total accounts : {$290.00} and {$290.00}. 
I asked them to provide me with information explaining what legal obligation I owe them, and for what services did they provide. I am not liable for this debt for XXXX XXXX XXXX and I do not have a contract with I.C systems. 
I demand that this collection be deleted and removed from my credit report. 

IC System reported a collection acoount for a total of {$290.00} and {$290.00} on behalf of XXXX XXXX XXXX. I have no knowledge of this debt and would love to have it removed from my credit profiles.
Complaint sub-issue: Personal information incorrect

Multiple Equifax agents have refused to open a dispute on an address being reported incorrectly. I asked for the contact information of the creditor reporting the information. I was told by XXXX ( id # : XXXX ) there's no record of the creditor reporting the address. In addition, I was told I need to prove or disapprove the validity of the address in question. I was dismissed when I reminded the agents of the law requiring the agency to investigate and come to a resolution with 30 days. 

Also, Equifax has made it impossible for me to access my credit file online or phone and extremely difficult via phone. I do not have this issue with the two other agencies.
Complaint sub-issue: Information belongs to someone else

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX