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

I am submitting yet another CFPB Complaint in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX previously requested for you to investigate the way this account reports information since I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX previously requested that you check the Payment History and Status information on this account because it is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed items. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Complaint sub-issue: Information belongs to someone else

Several accounts was open and use in my name that i totally unaware of. Also several hard inquiry to go along with those accounts. I went through a divorce back in 2018 an that seems like when the bulk of the fraudulent activity began to happen
Complaint sub-issue: Debt resulted from identity theft

In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered.
Complaint sub-issue: Account status

Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage, jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
Complaint sub-issue: Fee problem

I selected that I do not want overdraft coverage through the US Bank app. This led me to believe that if I had insufficient funds then the charge would be declined and I would avoid an overdraft fee. However, unbeknownst to me, that does not include recurring charges. The app did not mention that some recurring charges could still process. Hence the reason I had 2 charges come through which I received fees for. I have called US Bank multiple times to rectify this issue and they refuse to waive the fees. I believe this to be a UDAAP violation since they were deceptive in never telling me about recurring charges potentially coming through.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Company did not investigate my complaint about reporting a bankruptcy on my report. They advised that they sent me an email, however that is false. I checked my email and did not see an email from them for identifying me.
Complaint sub-issue: Account information incorrect

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not gibe Equifax written permission to furnish these accounts. 

Accounts Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of ED/ XXXX Dept of ED/ XXXX Dept of EDXXXX XXXX
Complaint sub-issue: Debt was result of identity theft

There have been multiple times advising the company that the accounts are not mine. XX/XX/2019
Complaint sub-issue: Investigation took more than 30 days

Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

4th notice for Utilization to be updated to 5 % or below. Congress states Utilization is an experience with the line of credit that was extended between the consumer and the company and financial institutions must provide 3 forms of Disclosures before reporting to Non-affiliated third parties ( CONSUMER REPORTING AGENCIES ). Written Consent MUST BE GIVEN BY CONSUMER TO SHARE THEIR NON-PUBLIC INFORMATION. PLEASE READ LAWS BELOW WHICH YOU ARE IN VIOLATION FOR THE ACCOUNTS BELOW Accounts with Utilization XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Credit Cards fall under 15 USC 1638 Truth and Lending XXXX  has failed to comply with disclosure reqiurements under this law. No reporting should be made until all general disclosure requirements have been met by law. 

THE LAW CLEARLY STATES BELOW 15 USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681a - Definitions ; rules of construction Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included in the Consumer Report.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX response to report transactions experiences late payments to consumer reporting agencies is against the law I have disputed the accuracy of the account, as I have been charged with late payments in XXXX after payments were made setting my utilization over the credit limit to {$410.00}. However such errors wouldn't be reported if XXXX XXXX followed the law and regulations.
Complaint sub-issue: Didn't receive enough information to verify debt

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed more than once with Equifax concerning false dates of delinquencies from XXXX XXXX. After speaking with XXXX a representative claims that they have not made such reports to the Bureaus. Dates of activities are always changed after disputes reporting incorrect information. This is a closed acct that should no longer be showing period. The dates are always changed to prolong the acct. showing which is causing hardship and mistrust with the bureaus that are supposed to protect against this kind of abuse. I've tried uploading documents showing proper information with Equifax but always get errors and when i did speak with a representative they was rude concerning me asking to dispute again and i was told it had already been disputed. I disputed XXXX before with CFPB and after that dispute they was no longer reporting updates now al of a sudden Equifax is reporting what XXXX updated even more false information concerning dates and reporting that the information is correct. Is this not against The Fair Credit Reporting Act???? However the other reporting bureaus were fair concerning me a a consumer and had no problem removing the XXXX acct.
Complaint sub-issue: Debt was result of identity theft

i received collection notice and a collection account was put on my credit file, this account was from identity theft. I never opened any such account
Complaint sub-issue: Personal information incorrect

I checked my credit reports  and noticed many different variations of my name and address. I have tried to reach out to XXXX, Equifax and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, XXXX XXXX Bank called me stating that they wanted to talk to me about a charge card that I had opened. I told them that I did not apply for a charge card. We determined that there was fraudulent activity, and someone tried opening a card in my name. The gentleman told me that he would deny the account and it report it fraudulent and put a freeze on it through XXXX. He also recommended that I notify the other credit bureau 's which I did. While looking at my credit report for all XXXX credit bureau 's, I noticed that on my XXXX report, there are XXXX hard inquiries, XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX that I did not apply for -- all of these are on XX/XX/22. I would like these all removed. I have put a freeze on my credit report to prevent further activity from happening.
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Complaint sub-issue: Was not notified of investigation status or results

I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the Equifax data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I had filed a complaint on XX/XX/19, Complaint # XXXX, against Moneylion, because they reported me late on my credit report, as in the resolution of that claim, Moneylion stated that they would inform the credit bureuas that it was an error on their end, and have them remove the late payments. I have asked Moneylion to provide me with a letter stating as such, but still refuses to, and haven't received anything. I have uploaded my credit report, which still reflects that Moneylion hasnt amended the disastrous reporting to my credit report.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX Equifax gave negative credit report about me to XXXX XXXX XXXX, XXXX. at XXXX. 
Equifax still have on my credit report that they didn't erase or taking off ; serious delinquency, numbers of account with delinquency, proportion of balance to credit limits is too high on bank revolving or other revolving accounts, length of time revolving accounts have been established. 

But yet I have a credit score above 715..due to no late payments etc for over 15 years..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR EQUIFAX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries on my credit report were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status 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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Account status incorrect

Account # : XXXX I can not see the paid-off auto loan on my XXXX credit report. Please report it back on the XXXX, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX Jefferson Capital systems contacted me via email trying to collect on a debt that is over the statue of limitations. Something that's at least 12 years old they said I have 30 days to dispute the debt or it will be on my credit it's for {$910.00}. I have received a total of 3 emails since XX/XX/XXXX on this same debt. They admitted that due to the age of the debt they can't sue me but they threatened to put it back on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

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 XXXXXXXX XXXX {$54000.00}
Complaint sub-issue: Attempted to collect wrong amount

I. C. System Inc. 
XXXX XXXX XXXX XXXX XXXX, Mn XXXX RE : Your Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. XXXX XXXX I XXXX XXXX Creditor to IC System Inc./Debt Collector Stop communicating with me regarding the above-referenced account. I refuse to pay this alleged debt. I don't know IC System. I never had any contracts/master purchase/ bill of sale/ assignment/terms and conditions/promissory note/ no bindings to pay any debts to/with IC System. I do not owe IC System any debts or fees. If IC System is buying paper in an attempt to collect debts from consumers without any written contracts/agreements I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information nor to contact me or publish anything about me.