Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to consolidate my two student loans with the Department of Education, so that I can place the one student loan in deferment and attend college for an accelerated XXXX  program with a local university in the field of XXXX XXXX. I have not had any luck getting the Department of Education to understand my long term plans. A XXXX degree will essentially double my income, and at the age of XXXX I believe that now is the time to move forward. Therefore, I would appreciate the proper direction to get the consolidation of both loans structured by the US Department of Education, and the federal agency can communicate with me by email to expedite the process.
Complaint sub-issue: Account status incorrect

Carmax auto finance continues to report a payment on XX/XX/2019 as a late payment, I have contacted the company numerous time but it still remains as a late payment on my credit reports, have also disputed via credit reporting agencies with no positive outcome.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, XXXXXXXX XXXX I asked Equifax to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX Equifax responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Monthly payment. Inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXXXXXX XXXX XXXX # XXXX Payment status. Inaccurate Date last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXX XXXXXXXX XXXX # XXXX Account status. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof
Complaint sub-issue: Their investigation did not fix an error on your report

i am filing this complaint because XXXX, XXXX, and equifaxhas 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 account 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 issue immediately.
Complaint sub-issue: Debt was paid

In XXXX, XXXX, I received a second bill from XXXX XXXX for a visit in XXXX, XXXX for which I had paid at the time with my check card. In the interim, my credit union had voided my card and issued a new card due to a potential problem with card numbers being stolen. I NEVER received a first bill from XXXX XXXX. I had no idea there was a problem with the payment. I immediately paid the amount owed via their online payment service, XX/XX/XXXX. Approximately 2 weeks later, I received a bill from a collection agency, Receivables Management SystemsXXXX XXXX XXXX XXXX, XXXX, VA. I called this company and informed their representative that the bill in question had been paid by me. The representative confirmed this, but indicated that the collection would nonetheless stay open. On XX/XX/XXXX, I received another notice from Receivables Management Systems threatening to turn information over to credit reporting agencies. This, despite the fact that they had previously confirmed that the original bill was paid by me. This is pure harassment. The fault lies with XXXX XXXX for not informing me of the billing problem, and secondly with Receivables Management for continuing to contact me over a bill which they confirmed had already been paid.
Complaint sub-issue: Debt is not yours

Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$76.00} to XXXX XXXX XXXX. This debt is NOT mine as I've never had XXXX   XXXX XXXX services. I've attached the letter they sent and as you can see that is not my name as " XXXX '' is not me.
Complaint sub-issue: Information belongs to someone else

for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges
Complaint sub-issue: Account information incorrect

Last XXXX, XXXX, I updated my address with this XXXX  and XXXX  company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.
Complaint sub-issue: Personal information

Received an updated credit report removing prior error however Equifax changed my address to one that does not even exist. I was lucky to get the report. Now Equifax will distribute this invalid address and it will cause me major headaches. This was done on purpose by Equifax to damage and harm me.
Complaint sub-issue: Problem with statement of dispute

I filed a dispute with Equifax regarding XXXX Account XXXX. This is an apartment complex : XXXX, XXXX , FL XXXX ( XXXX ) XXXX. I called the apartment complex to inquire why they have reported me to a credit bureau. They have no record of this debt. When I disputed it with Equifax , Equifax responded by saying XXXX XXXX XXXX confirmed it is legitimate. I have not received due diligence from Equifax in investigating this.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX  XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$9900.00} XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXXL XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act XXXX, the following 13 accounts violated my rights 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 usc 1681 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. I am hereby requesting the following accounts be deleted from 3 credit reporting agencies XXXX, Equifax and XXXX. 
1. XXXX XXXX {$410.00} Acct # XXXX 2.XXXX XXXX XXXX {$62.00} Acct XXXX XXXX 3.XXXX XXXX XXXX {$630.00} Acct XXXX XXXX 4. XXXX XXXX {$360.00} Acct # XXXX 5. XXXX {$1200.00} Acct # XXXX 6.XXXX XXXX XXXXXXXX {$2300.00} Acct # XXXX 7.XXXX XXXX XXXX {$350.00} Acct XXXX XXXX 8. XXXX XXXX XXXX {$870.00} Acct # XXXX 9. XXXX XXXX XXXX {$540.00} Acct # XXXX 10. XXXX XXXX XXXX {$11000.00} Acct # XXXX 11. XXXX XXXX XXXX {$60.00} Acct # XXXX 12. XXXX XXXX {$1300.00} Account # XXXX
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX 2. Collection- XXXX 3. Collection- XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX- XXXX Inquiry 1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 1 5 USC 1681 section 602 A States I have the right to  privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( A ) ( XXXX ) section states no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years
Complaint sub-issue: Information is not mine

Equifax is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Complaint sub-issue: Debt was paid

To whom it may concern, I am writing to complain about Citi bank and their lien release department. Here is my problem. In 2011, I bought a home that was in foreclosure. The property is XXXX XXXX XXXX, XXXX, Texas XXXX. Now, I would like to sell this home, and I have a buyer who has given me a fair offer. However, I can not get a clear title on the house so the sell can be completed because of a lien the previous owner had on the property. I don't have the loan number because it was my loan. I did not take a loan to buy this house. I paid that loan off and own the house free and clear and hold the deed. The title company has been calling Citibank for weeks and is only getting automated responses. I have tried to call and speak with a representative only to be told that they can't help me, can't give me the number to lien release department, that there is no manager that I can speak with, and that they do not have an office of the chairman with whom I could file a complaint. I have called the county courthouse where the house is located and the county clerk confirms that they have received nothing from Citi bank. So I am about to loose the sale of a house that I own outright because of a lien under someone else 's name, and Citi bank has been utterly negligent and unresponsive in this matter.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Complaint sub-issue: Information belongs to someone else

I have contacted this company numerous times informing them that I am a victim of identity theft. Not only did I request a Fraud Alert to be placed on all 3 credit reports, but I also froze my credit reports, filed a complaint with the Federal Trade Commission and Filed a police report. I sent them copies of all of this. I received a generic response each time saying that the debt was validated. This is impossible. So now, I am writing to request the method of verification for this item : XXXX - XXXX   XXXX  - Opened XX/XX/17 - {$22000.00} Balance
Complaint sub-issue: Their investigation did not fix an error on your report

I went to apply for an auto loan. I was denied. I discovered that the fraudulent for XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Possible breach of privacy regarding sensitive personal information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am a authorize user on several of my husbands accounts and his accounts appear on my credit report as an authorize user. Beginning in XX/XX/XXXXI noticed everytime a payment was reported on his accounts that Equifax removed me as a authorized user. As a result of this action, my credit Utilization has decreased over {$62000.00} and decreased my credit score with Equifax several points. The other two bureaus ( XXXX and XXXX ) are reporting all authorized user accounts correctly, only Equifax is mishandling these accounts. I called Equifax and after an hour on the phone, they refused to do anything to correct this major issue. My husband called each creditor effected by this error and all 4 companies indicated that they had submitted the information correctly and that nothing had changed on their end and the problem is Equifax. The accounts impacted are : XXXX XXXX XXXX. Credit Limit XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX Credit Limit XXXX This continued error is impacting my credit score and I 'm very concerned lenders will begin lowering my over all credit due to the drastic reduction of my credit.
Complaint sub-issue: Attempted to collect wrong amount

Not sure why this complaint is being closed ... this is a collection agency reporting incorrect information. I need help getting this removed. I do not owe this collection. See Complaint # XXXX for details
Complaint sub-issue: Information belongs to someone else

XXXX  has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified
Complaint sub-issue: Threatened or suggested your credit would be damaged

This Items been removed months ago & the debt collectors ( AmeriCollect ) re added the same 3 collections back to my XXXX  & XXXX  credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX - This account is not mine. I have contacted them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I did not purchase anything from them. I have disputed this but had no resolutions. My personal information was used without my permission to process transactions and open an account without my knowledge. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Account opened as a result of fraud

Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have disputed the same inaccurate public record on my consumer file ( bankruptcy ) for 3 years, 3 times within the past few months WITH supporting documents from the company they supposedly " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, Equifax continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( IN WRITING, these documents have also been forwarded to Equifax ) that Equifax has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. The other credit bureaus have deleted the inaccurate public record but Equifax continues to conduct unfair business practices against my FCRA rights. I've even spoken to a supervisor that could see my supporting documents but said that the people who review the disputes, " don't really look at the supporting documents before they make their decisions ''. That's fraud.
Complaint sub-issue: No notice of investigation status/result

I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, 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 help me resolve this important matter as soon as possible. Thank You Kindly
Complaint sub-issue: Account status incorrect

Im a 100 % disabled veteran and I applied to have my student loans forgiven. The process took sometime and I continued to pay my loans on time as always. When the forgiveness was granted they backed dated it to when I was granted my disability and returned payments to me. When this happened the credit bureaus updated my payments as more than 120 days late. I contacted fed loan servicing and they advised me in there system they dont show me as delinquent or late instead they show me as paid and closed. I disputed this issue with the bureaus and it hasnt been fixed. Its disrupting my great credit and payment history and I have already been denied a few occasions with the reason being serious delinquency. Please fix these as soon as possible it is really affecting my life and wellbeing.