Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

Initially requested proof of indebtedness, the responded with a payment history which is not proof of indebtedness. I gave my conditional acceptance statement and followed up by asked for proof that they are the holder of the original note. They responded by referring me to a link to a federal website where I can find my original promissory note. I asked that they send me a notarized letter on their letterhead saying that my note has not been purchased or sold and they responded by saying they can not provide me with what I asked for and again to refer to terms on my promissory note. The promissory note does not have my signature. 

They have been able to provide me with anything asked. All in all meaning Great Lakes is not the original instrument holder and according to truth in lending there are violations and illegal actions taking place. Only the holder of the original instrument can collect on it. 

My student loans need to be discharged immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Equifax on several occasions that their are several errors, inconsistencies, and FCRA violations on my credit report. I made it clear in my dispute letter that I did not consent to EOSCAR yet Equifax used it to process my dispute. 

Equifax did not investigate the errors or delete the inaccurate accounts due to FCRA violations. They are obligated to conduct an investigation ; however, they did not due so and are in direct violation of their requirements under the FCRA. 

They responded to my dispute indicating the accounts were verified ; however, if they would have reviewed my dispute and supporting documentation provided, it would be clear that the account could not possibly have been verified because all 3 credit bureaus are reporting different information for the same accounts. 

To add insult to injury, in XXXX of XX/XX/XXXX for 3 out of 7 of the disputed accounts, the creditor notified and reported to the credit bureau that there was a XXXX balance. 1 week later ( XX/XX/2020 ), after closing my dispute, the credit bureau added the balance back to the accounts stating the information is verified. The balance date reflected in my updated report shows the balance is as of XX/XX/2020. This means the credit bureau is not reporting the creditor update provided in XXXX and therefore is knowingly reporting inaccurate information. 

As of XX/XX/2020 Equifax is still reporting inaccurate information and despite my attempts to dispute, Equifax is not removing or correctly the inaccurate information. This is a direct violation under FCRA.
Complaint sub-issue: Reporting company used your report improperly

Equifax Credit Reporting Agency violated several laws against me. 
On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 15 U.S. Code 1692j ( a ) States : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

On XXXX, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). 

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1681m States : to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. 

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

On XX/XX/2022 I received a electronic letter via Equifax.com stating that the Debt with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX is valid, which is incorrect since I have disputed with these accused creditors, and the inaccurate debt have been removed/deleted from XXXX XXXX XXXX  XXXX XXXX crediit reporting agency, and XXXX credit reporting agency . However Equifax still claims to debt is valid, and refuses to remove/delete, and by doing so have violate several laws.
Complaint sub-issue: Account status incorrect

Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a full-time XXXX with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called XXXX from the bank for more details and they denied my new account. 

That was the first time I heard about this company XXXX and I filled out a form on their website to get a credit report and my credit score, and they reported ~XXXX. and the 2 reasons they gave was, 1.  Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. 

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this XXXX had in XXXX and then XXXX. So XXXX mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called LexisNexis organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the XXXX and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.
Complaint sub-issue: Personal information incorrect

i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, EQUIFAX, AND XXXX ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.
Complaint sub-issue: Information is missing that should be on the report

In late XXXX I checked my credit scores using XXXX, finding my score reported from Equifax had dropped XXXX points from XXXX to XXXX on XX/XX/2022. The report showed about 10 accounts had been 'Removed ' from the report. The accounts removed were valid active accounts except for an auto loan that was paid off several months ago. I waited until today, XX/XX/XXXX, and checked again - the information ( and my credit score ) had not changed. Both XXXX and XXXX had correct information, all the accounts and my score in the low 800 's. I contacted the customer service number at Equifax to try to get this resolved. I was told I would need to contact each of companies I have accounts with to get them to report my info! I asked to talk to a manger, was put on hold for over an hour and finally disconnected! My husband and I checked his report with Equifax and all of the accounts that had been 'Removed ' on my report were still on his. These accounts are all joint accounts with my name first on some and my husband 's name first on others. We read the article in the XXXX XXXX XXXX regarding inaccurate credit scores having been reported by Equifax. Well it appears they have NOT corrected the problem ( as they lead you to believe in the article ). All I want is correct information so that if I need to use my credit, it reflects the actual quality of my efforts!
Complaint sub-issue: Problem using a debit or ATM card

See Attach Documents I open a checking********
Complaint sub-issue: Information belongs to someone else

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and have tried to resolve this issue several times by calling Equifax but the information remains the same. I have valid police reports to assist and filed a report with the federal trade commission regarding identity theft. I am asking that Equifax removes this information from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax continues to report erroneous inquiries information on my credit report after I have sent them verifiable proof ( via certified mail XX/XX/18 and XX/XX/18 ) that the inquiries were not made by me. I have sent them several letters via certified mail to prove that the inquiries were mine. I have also sent them documentation proving that I was the victim of identity theft ... all to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my citi credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call citi which I did and they said to there knowledge XXXX took nothing off for there mistake.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I applied for the Citi Prestige credit card with an offer for XXXX points for spending {$7500.00} in 3 months. 

I have met the spending in the required time. 
As of XX/XX/XXXX I have not received the XXXX points. 

I contacted customer service on XX/XX/XXXX. I was told I could not get the bonus because I have already had this card within the last 2 years. 
However I never had this card before.
Complaint sub-issue: Debt was paid

Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.
Complaint sub-issue: Information belongs to someone else

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first XXXX XXXX credit card, which I never applied for and also XXXX wireless which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, I wanted to use my Best Buy credit card on XX/XX/2018 at the Best Buy in XXXX, NY when purchasing a television as I was told I would received a certain discount. However, when I tried to use it they said it had already expired and I need to renew the card. I agreed and for this they called a girl who gave me a form to fill. I did that, and they said that this would be a new card so I would get a 10 % discount. I was more than happy. I had to wait for about an hour to receive approval after which they charged the television on that account. I had that delivered to my house later that week and have payed off the amount. But, in XX/XX/XXXX when I went to make the remaining payment I noticed I was charged for something I did not purchase and it was done in XXXX, NY. I have not purchased it and it was definitely not me as I did not even have the credit card in my possession. I did not receive the card. I called the customer service but they were not helpful. I went to the store in XXXX and spoke with a representative there, letting them know that if someone were to purchase such a big amount, they should have checked the identification for confirmation. The amount I was charged for was {$3000.00}, and the bill i received recently has an additional charge of {$1200.00}. The rep said they would investigate the charges, and I would receive a new credit card later which I did. But after all this time, I just received a letter saying they have completed the investigation and I am responsible for the amount due! 
I fail to understand why I should be paying for something I never purchased. Did the cashier check to see if the credit card was mine? I did not even receive the card when the purchase was made. Please let me know how I can go about this. I am unemployed, and have no reason to purchase something I can not afford. These purchases were not made by me and I have let the company know but they still hold me responsible for the charges. Please help. Thank you.
Complaint sub-issue: Information belongs to someone else

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged several charges from the same vendor within minutes for thousand of dollars. I let the credit card company know right away. They suggested I wait till I get my statement and then call and dispute. I did so and they have a me a conditional credit. They later on sent me a letter stating they could reverse the credit unless I reach out to the vendor and seek credit. I did so the vendor said the charges were canceled. I sent the information to the credit cared company with the name of the vendor agent and ID number. 
The credit company waited for yet some weeks and informed me that the vendor did not issue credit. The credit card company told me that there was a third party involved we are in they should be contacted in seeking credit I asked him if we could reach out to the third-party. The credit card company and myself tried to reach the third-party and after a couple hours after failing gave up and the credit card company asked me to seek credit from the third-party even though we could not reach them over the phone. I tried and tried and finally was able to reach an agent through a chat live chat from the website the third-party company looked into my account and said I should not have been charged and I should go back to the financial institution or my credit card company and get credit I recorded and took pictures of all all the chats and send it to my credit card company I have called my credit card company several times and they said it the charges have been reversed and that I would still be responsible. I told my credit card company I have not authorized charged or used for services that have been charged on my account for which I do not take responsibility and do not agree to pay these they said youre gon na have to fight for it but without any directions or anything else from them I spent a lot of time calling credit card company Several times writing letters and contacting merchants and doing as they suggested they do not have any other directions for me and I still yet not willing to give me credit for something I did not charge so I see Help
Complaint sub-issue: Reporting company used your report improperly

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!
Complaint sub-issue: Account status incorrect

Balance of {$310.00} showing in collections is now a closed account when the balance should have never been in collections to begin with because balance was covered under federal student loan
Complaint sub-issue: Account status incorrect

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.
Complaint sub-issue: No notice of investigation status/result

Equifax has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Equifax continues to falsely report XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Equifax, I am attaching the results of XXXX investigation of my complaint with XXXX. XXXX conducted a proper, impartial reinvestigation of my dispute, and deleted the false information from my credit file. Equifax has failed to conduct a proper investigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, Equifax has violated the FCRA regulations, and should be penalized accordingly.