Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I have submitted too many complaints with CFPB regarding my issues with XXXX. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. XXXX then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with XXXX investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX is suppose to have came with {$1.00} XXXX in Identity Theft Insurance - my information was sold to the dark web and XXXX did nothing. My phone number was sold to the dark web and XXXX did nothing. My email address was sold to the dark web and XXXX did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.
Complaint sub-issue: Debt is not yours

FEDLOAN SERVICING reported multiple alleged accounts to the consumer reporting agencies. I am disputing the validity of this alleged debt pursuant to 15 USC 1692g as it is damaging to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ) and invades my right to individual privacy pursuant to 15 USC 1692. I have sent this company a debt validation letter and await their response.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting this debt on my consumer report. The information that is being furnished to the consumer reporting agencies is incorrect. I have submitted my state ID and a copy of my social security card to the consumer reporting agencies and they are still relying on and furnishing incorrect information.
Complaint sub-issue: Account information incorrect

Equifax has been negligent in removing thirteen ( 13 ) credit accounts that are all appearing as paid closed accounts, the date reported is more than ten 10 years from the Date Reported on all of these accounts. Note that Equifax is the only credit reporting repository that is still reporting these old stale dated accounts. 
1. ) XX/XX/GATEWAY- Closed XX/XX/XXXX XXXX. ) XX/XX/LENSCRAFTERS- Closed XX/XX/XXXX XXXX. ) XX/XX/WALMART- Closed XX/XX/XXXX XXXX. ) XX/XX/GAP- Closed XX/XX/XXXX XXXX. ) XX/XX/QVC- Closed XX/XX/XXXX XXXX. ) XX/XX/CARECREDIT- Closed XX/XX/XXXX 7. ) XX/XX/XXXXXX/XX/CARECREDIT- Closed XX/XX/XXXX XXXX. ) XX/XX/ULTRA- Closed XX/XX/XXXX 9. ) XX/XX/XXXXXX/XX/THOMASVILLXX/XX/XXXX Closed XX/XX/XXXX 10. ) XX/XX/PEACHDIRECT- Closed XX/XX/XXXX 11. ) XXXX XXXX Closed XX/XX/XXXX 12. ) XX/XX/IKEA- Closed XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX- XX/XX/XXXX
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX - VW Credit Inc XX/XX/2020 XXXX  - Volkswagen Credit XX/XX/2020
Complaint sub-issue: Information is missing that should be on the report

I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.
Complaint sub-issue: Personal information incorrect

There are addresses listed on my credit report that I have never lived at : 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
Complaint sub-issue: Can't temporarily delay making payments

Today XX/XX/22 XXXX ( XXXX ) tried to call Sallie Mae about delaying/skipping my payment for XXXX. When I called I talked to a customer service rep who told me that they recently changed their process for this action. When I said that they didnt notify me about this change she stated that they havent told anyone about the change as it just happened in XXXX. I asked to her transferred to another person and the next lady said the exact same thing, as they havent told any of their customers about this change. Making it harder for borrowers to delay/skip a payment.
Complaint sub-issue: Debt was paid

My name is XXXX XXXX. I purchased an XXXX  from XXXX in XX/XX/XXXX. I had an account open from XXXX XXXX. I closed that account so I could assume responsibility for the phone and phone number I had from my ex-boyfriends account ( he had disconnected the line in XX/XX/XXXX, which is why I went to go open a new account in only my name, but then he agreed to let me keep that original phone I had. ) I wasn't able to pay the account in full at cancellation, but months later I did pay the account in full. I have a letter from XXXX  XXXX XXXX and a Bank Statement showing I paid {$1000.00} to XXXX on XX/XX/XXXX. ( I made the payment XX/XX/XXXX and it posted on XX/XX/XXXX. ) For the past few months my children and I have been receiving harassing calls from a company called I C System. The call says scam likely on the phone. I called XXXX to report the calls and they advised me to block the calls and download and pay for an app called XXXX. After months of ongoing issues, I asked what else I could do. An adviser suggested switching from XXXX to XXXX because XXXX is more secure and less likely to have scam calls. After having 3 XXXX phones for less than 1 year, I purchased 3 new XXXX phones. I brought in the XXXX XXXX with hope to use it as a trade-in. I was told the phone was blocked because money was owed on the account and it was sent to collections. I told the person helping me I paid XXXX in XXXX. He called the collections agency. A woman with a rude tone told me over speaker-phone that I had never made a payment. I was embarrassed in front of a store full of people. I wasn't allowed to use that phone for any credit. The XXXX rep became rude, charged me full price for all three new XXXX I asked for new phone numbers for the new phones. He said he could show me but there would be a charge. I said I would be ok with that, I just don't want harassing calls anymore. I told him I wanted to handle it right then. He said, no you don't want to pay {$20.00}, just call customer service when you get home. He put the new items in the bag and called over another customer. 
I have been getting emails regarding I C System updating XXXX, and XXXX. XXXX XXXX had to be the one to notify me. I recognized the name from the annoying phone calls immediately that have been plaguing my family all year. We block a number, they call from another number. 
XXXX should have never sent my account to collections. I paid my account in full. They broke the law, my children and I have been harassed, and my credit has been adversely affected.
Complaint sub-issue: Problem with fees

Hey, on XXXX I order 3 stethoscopes form home Depot for my school, in same day they send me an email that one of the 3 items have been canceled, after one week they sent me another email to go to Home Depot and pick one of the 2 stethoscopes, and that second one wont be arrive until late XXXX ; because I needed it on that semester ; I called and I canceled the order ; the sales representative ensured me that order been cancelled. At the end of the month I went to Home Depot and I paid for the one I picked up ( the only one I received ). After 3 months they sent me a letter stating that third stethoscope the one I cancel it wasnt cancelled and they kept charging me XXXX $ fees every months. I called the credit card company /Home Depots for hours and days trying to resolve this issue ... no one seem to care. now they asking to either pay or they will send it to the collection agency. I felt I have been scammed ... paying for something I didnt received. I am very responsible person I pay woman I paid my dues on time and work so hard for my money .I have the emails/ payment to back up everything I said ... .. please I need help resolving this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Unverifiable inaccurate items in my report, I have sent 5 letters to the credit bureau ( Equifax, XXXX XXXX ) asking for verification,. In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Given that I believe they are acting in bad faith, and have not complied with the federal and state laws,
Complaint sub-issue: Their investigation did not fix an error on your report

The big 3 ( equifax, XXXX, and XXXX XXXX has not performed independent investigations. I sent letters and notified ( Equifax, XXXX and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Complaint sub-issue: Account status incorrect

I was contacted by XXXX in XXXX about my home mortgage with them. They stated they could provide a forbearance for my mortgage. I told them I did not want a forbearance if it was going to affect my credit in any way. They assured me that it would not, and that the forbearance would help with the cash flows issue on my rental property. At the end of the 3 month forbearance term, XXXX  called again and asked if I would like to apply for a " Partial Claim '' or " Deferment '' which would place the amount owed to the end of the loan. Again, I stated this would be nice, but if it affected my credit in any way I would rather just pay the lump sum owed since I now had tenants renting out the front portion of my house. XXXX  again assured me nothing would happen to my credit. 

The next month I was hit with a 120-day late payment on my credit report which dropped my score by 149 points. I called XXXX to ask what happened and they admitted that this should not have happened on several recorded phone calls. I asked that it immediately by removed because I had said throughout the process I did not want to make any modifications to my loan if it would affect my credit score. I offered multiple times to bring the account current, but was told to use the forbearance and deferment plans as they would not affect my credit worthiness. 

I called XXXX over 25 times over the next 14 days attempting to get this resolved. I was given three different time slots where a " supervisor '' would call me back within 48 hours. Not once did a supervisor call me. An agent them told me " there are notes in the system to correct the credit reporting on XX/XX/XXXX, as we only report once a month to the bureaus. '' On XX/XX/XXXX, the derogatory account was NOT removed as promised and still sits on my credit report making me ineligible for any loans. The bank was told the house was being sold, so I did not need any further financing options as the loan would be paid in full soon. The house has since sold and yet my credit report shows me being late on payments for a house I no longer own! 

I flip houses for a living and require loans to be able to operate my business. I told XXXX  this repeatedly on several occasions during the 25 phone calls I placed. I still have not been called by a supervisor or manager, and the incorrect credit reporting remains on my report across all three bureaus. I am beyond angry at this point. Any and all reviews of XXXX are 1 star with nothing but problems. I do not understand how this mortgage company is allowed to be in operation in the US. I expect this issue to be resolved ASAP or I will have no choice but to escalate with legal action.
Complaint sub-issue: Information is missing that should be on the report

add my XXXX card from XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX {$120.00} ;
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

My Elan Financial Services ( credit card ) account was charged off years ago before I understood credit. I contacted Elan Financial recently and created new payment arrangements I think back in XX/XX/2019. I have not been late on any payments since then. Despite my on time payments from XX/XX/XXXX to present, the credit bureaus continue to report the payments as late.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute on XX/XX/XXXX with equifax for a collection account in the amount of {$850.00} with XXXX XXXX. The account opened date is being reported as XX/XX/XXXX. However, the XXXX delinquency on said account is being reported as XX/XX/XXXX which is completely impossible. Equifax responded that the dispute was verified, but that has to be inaccurate because in order for the delinquency to be correct, the account wouldve have to have been opened prior to that date.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts  XXXX XXXX XXXX****, XXXX   XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX**** , XXXX XXXX XXXX  (Original Creditor: SXXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX****
Complaint sub-issue: Information belongs to someone else

I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   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: Problem with fees charged

Good morning, My name is XXXX XXXX I am 100 % XXXX Veteran and I purchased a vehicle from Carvana XX/XX/2022. I received the car on XX/XX/2022 the scheduled date for delivery. On XX/XX/2022 I received an email stating that I paid Alabama title and/or processing fees that I wasn't supposed to pay and they will reimburse me ( XXXX XXXX XXXX my funds. I pay my car note every month on time, I don't mind paying if I owe, but it's been going on 4 months. 1 phone conversation and 3 text later I keep getting the same answer from this company and I still haven't received my refund. I have been patient with them, but now I would like an answer on when I will receive my refund. Every time I call, text, or chat I get the same results they tell me they are working on it or to call back. I have done what they asked all the way to my on time payments for my vehicle and still no results. I have attached email that was sent from Carvana along with the text messages of the conversations that was had between myself ( XXXX XXXX ) and their employees.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;
Complaint sub-issue: Information belongs to someone else

This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called Discover Financial Service and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

the creditor access my credit report multiple times without my approval.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent two letters to the company asking for verification of a debt but got no reply.