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

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX, DEPT OF  ED/XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX/XXXX  XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I was really surprised when I reviewed my credit report and found there was a late payment on XX/XX/2019. 

I am not sure how this happened. I believe I made all my payments on time. Is is possible I never received my bill.
Complaint sub-issue: Debt is not mine

I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam.
Complaint sub-issue: Account status incorrect

It has come to my attention that XXXX XXXX XXXX, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/XXXX The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX  The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly buXXXX XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding EQUIFAX and XXXX  responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/2022 two unauthorized ATM cash withdrawals were made by a young man who I hired to assist with some house cleaning work. 
XXXX XXXX left the hotel room to run errands and agreed to meet with me later that evening. 
XXXX @ XXXX XXXX ATM cash withdrawal of {$140.00} was made according to the statement, then XXXX @ XXXX XXXX {$700.00} was withdrawn ATM CASH along with a XXXX withdrawal fee. 
XXXX XXXX did not return to the hotel and the following day I discovered that my account balance was {$50.00}.
Complaint sub-issue: Account status incorrect

I have recently paid down several accounts of debt, substantially. My credit score was increasing daily. XXXX XXXX alerted me of a change. Upon checking into I see that XXXX has increased my score while Equifax has dumped my score by 25 points for PAYING DOWN MONIES. This is not the first time I have had this issue with Equifax. I do believe that this is unjust and I feel that they are specifically targeting my account as this seems to be normal practice for them. I would like a full explanation. I would also like my credit score to be increased, as it should be. I am concerned for other consumers who are being taken advantage in this manner. Why would a score decrease when a consumer is in good standing and is PAYING OFF DEBT?
Complaint sub-issue: Didn't receive enough information to verify debt

I received two letters from USCB America attempting to collect a medical debt around XX/XX/2020. One bill was about {$800.00} and the second was a little over {$200.00}. Due to the pandemic, losing my job, and general life events I wasn't able to make contact with them until XX/XX/2020. I called XXXX ( who apparently reported these charges ) and they told me they didn't have access to review anything because it was now " in collections hands. I sent the company a debt validation letter for each of the bills they sent me in order to verify these charges before I made arrangements to pay it off. I never received a response from this company and it has been 45+ days since my note was delivered. I sent both letters via certified mail to document the contact I made. 

These bills going to collections have really impacted my score and I'm not really sure how to move forward. My goal was to verify the legitimacy of this letter and see what I need to do because my primary concern is maintaining a good credit score.
Complaint sub-issue: Debt is not yours

It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering
Complaint sub-issue: Problem using a debit or ATM card

I recently sent you a complaint the number is ( XXXX ) on XX/XX/2019. TCF Bank has returned most of fraudulent charges XXXX XXXX XXXX and XXXX overdraft fee. TCF bank did not refund the fraudulent charge of XXXX and the XXXX over draft fee. The transaction number FOR THIS CHARGE was XXXX. ATM DEBIT card used was last 4 digits XXXX. I would like this to be refunded also. checking account # XXXX Thank You XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX BROKE THE LAW. I sent a FTC Identity Theft Report and all requirements for the removal of 4 fraudulent accounts and hard inquiries reporting on my credit report. Pursuant to 15 USC 1681c-2, EQUIFAX had 4 business days to delete the information from my report, and EQUIFAX failed to delete all of them. Only one was deleted. It is WAY past the 4 business days from receipt of receiving the documents. I further received a letter in the mail stating they are not honoring my request for the deletion. It was not a request it was a demand that I am entitled to as a federally protected consumer. I did everything I needed to do in accordance to federal law.
Complaint sub-issue: Information belongs to someone else

There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX XXXX  in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXX and XXXX  are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute to Equifax in reference to some unauthorized inquiries on my credit report. I have a fraud alert as well as a police report on file with Equifax. The sent me the results the same day stating the inquires are indeed done by me. 

They couldn't have investigated that and got results in 1 day. I have a right to a valid investigation and Equifax has refused to do so. 

The inquires are listed below : 1. XX/XX/XXXXXXXX XXXX  2. XX/XX/XXXX XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 6. XX/XX/XXXXXXXX XXXX 7. XX/XX/XXXXXXXX XXXX 8. XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Since XX/XX/XXXX I have accrued XXXX $ in overdraft fees due to a low balance. My balance was low because I am self employed and contracted XXXX, I have had to reschedule all of my jobs once I tested negative which was on XX/XX/XXXX. I asked bank of the west if they could reverse my overdraft fees for this reason and they said they allow reversal for one overdraft fee per year and I used it.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX  is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.
Complaint sub-issue: Debt was paid

I moved from XXXX to XXXX in XX/XX/2017 I call XXXX and inform about the move on XX/XX/2017 and ask to close my account. The operator ( XXXX ) told me that it will be automatically closed at end of the billing cycle which is in XX/XX/XXXX. The account did not close because there was a XXXX ( hot spot ) that I ordered in XX/XX/XXXX was not return to the system. XXXX did not contact me regarding the system not returned or the account not close. They contact my son which he was not the main holder. i was not aware of the situation until XX/XX/2017. I told them I return the XXXX already and after checking through her system they found the hot spot was in the warehouse but no one enter it to my account. This problem is causes by XXXX careless warehouse worker that did not input my return XXXX back to the system. Therefore I dont believe that I owed this amount to XXXX. 
i have attached my credit card statements to show that the account was auto paid.
Complaint sub-issue: Account information incorrect

Re : XXXX Account # XXXX, The purpose of this complaint serves to herald certain business practices enacted by XXXX XXXX which have conspired to detrimentally affect my credit and has caused me irreparable harm. On or about XX/XX/XXXX, I applied for a new mortgage with XXXX XXXX XXXX. Upon completion of the review process, the lender contacted XXXX XXXX to request a payoff. Upon receiving the request XXXX XXXX advised me that it may to up to 5 days to receive the payoff. Furthermore, XXXX XXXX acknowledged that I was not late and had not been so on a recorded line and payoff was good until XX/XX/XXXX. However, while in underwriting with the new lender, XXXX XXXX reported inaccurately and earlier than scheduled negative/late reporting. This is not the first time since XX/XX/XXXX, I made a double payment and they counted as one payment and every month after that they reported me 30 days late. Due to this issue I have experience such a hard time in life especially the past few months with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but they have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and sending mail weekly. They've called everyone in my life which is very humiliating. This has brought on a lot of mental issues to the point I'm having difficulties all for an account with inaccurate reportings. This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue or apply a lien to the business, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have the negative reports on my account removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has not satisfied debt. XXXX -XXXX XXXX XXXX XXXX has not satisfied debt. XXXX -Untitled XXXX XXXX XXXX has not satisfied debt. XXXX XXXX XXXX XXXX XXXXt has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

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

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

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX  Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB, On XX/XX/2019 I sent a certified mail dispute letter to Equifax, to dispute unverified/ inaccurate items. Equifax did not investigate properly, the items were verified via eoscar system. TransUnion deleted the same items a long time ago. I'm contacting you to let Equifax know, I am doing my part and gathering records to take legal action if they do not delete the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Complaint sub-issue: Was not notified of investigation status or results

I am once again requesting to have fraudulent accounts removed from my report. I requested prior that these items that do not belong to me be removed from my credit report. I have attached FTC report XXXX as proof this is FRAUD. Please remove XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX/XXXX. I also want the following unauthorized inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX removed. I am not working with any type of repair clinic. I am just asking again of fraudulent information be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : XXXX USDEPT ED : XXXX DPT EDXXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.