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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Reporting company used your report improperly

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Complaint sub-issue: Their investigation did not fix an error on your report

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I disputed with Equifax on 2 occasions about 5 collections accounts that I was not aware of and they never sent me my results by mail and now the time has lapsed 30 days on each attempt to dispute with them.
Complaint sub-issue: Information belongs to someone else

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately
Complaint sub-issue: Can't get other flexible options for repaying your loan

The school was closed down do to unlawful practices. I attended this school in XXXX an withdrew from the program early due to motorcycle accident broke both arms an a leg, yet the loans were still being processed as if I was still there an I believe to full amount of program which makes no sense.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

So the month of XXXX with my direct express card. I disputed amount of {$490.00} I sent them and faxed the dispute 3 times. XXXX  days later they gave me provisional credit. Then at the end of the month XXXX  day before I get paid they said I was XXXX. I thought I lost the dispute. It turns out they said I did not give them a dispute. I said it was illegal for you to take money out of my account without letting me know. They gave me no notice of any kind. I told them if I did not give u a dispute how would u know how much provisional credit to give me. No answer they said I have to call the dispute department. So I was sick the next day. And when I called back I was XXXX in the XXXX they allowed someone to take a bunch of XXXX charges to the same place. When I should have XXXX in my account none of this would have happened if they did not commit this illegal act and let me take out my money at the beginning of the month. And how does my prepaid card go into the negative I did not sign up for overdraft and they say they do not do this anyhow. I want my begitive amount to be cleared and my XXXX back
Complaint sub-issue: Information belongs to someone else

I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX  days. It has been almost XXXX  days and I'm an in my right to ask for all the items to be taken off
Complaint sub-issue: Received bad information about your loan

My loans are currently being Serviced by AES, but they were previously with XXXX. During the time that my loans were with XXXX after my graduation in XXXX, they reported that my loans were delinquent whereby the original balance of {$24000.00} ( sub ) and {$10000.00} ( unsub ). While with XXXX, I was on a repayment plan. XXXX never advised that I had at least 4 deferment options on my account prior to listing my loans in default. I got on a repayment plan and was able to maintain great payment history. Since being on a repayment plan, my loans were transferred to AES on XX/XX/XXXX. It appeared to have two dates of transfer reported by XXXX, but the dates show the full amounts of the loans which may be inaccurate ( {$54000.00} on XX/XX/XXXX and {$44000.00} on XX/XX/XXXX ). My loan was only tranferred to AES once. Why is it showing multiple instances? When I called AES last week to understand my overall repayment and when I should be completed repayment, she advised in XXXX. How is this possible? Isn't this predatory lending? Before the default placed by XXXX, I only had about $ 30K remaining for repayment. I have been consistent on the repayment plan so my loans should not take me way into XXXX to pay off? The rep advised that if XXXX put me on a deferment that my loan repayment would have been paid in full by now and that they did not do a great job in servicing my account prior to them transferring the debt with them She also advised that there may be possible that my loan repayment was incorrectly applied to my account while with XXXX. To date, I have now paid {$110000.00} total, {$81000.00} principal and {$35000.00} interest and {$500.00} late fees which is nearly 3x the amount of the original debt. The rep advised that my loans may have been reported inaccurately as my account would have never been marked delinquent if they would have applied the deferment. My credit reports have experienced a great loss due to how XXXX handled my account and I wish to have part of my current loan marked as paid due to the negligence as to how XXXX handled my account before being transferred to AES. I should not have been in default nor my loans marked as delinquent and I wish to have resolution on this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I am complaining and providing extensive evidence that Equifax is incompetent as a repository of records and that evidence shows personal financial damage to me, that equifax automated computers do not function and that equifax can not do basic functions as required by FCRA and other laws.

I disputed XXXX XXXX XXXX ; ACCOUNT NO XXXX  for the incalculable many times. ( confirmation # XXXX ) I am providing two previous dispute results XX/XX/2018 confirmation noXXXX and XX/XX/2018 confirmation number XXXX.

BOTH OF THE RESULTS LIST THE ACCOUNT NUMBER AND SAY THAT THIS ACCOUNT IS NOT ON MY REPORT WHEN IT IS.
Complaint sub-issue: Debt was paid

XX/XX/2022 applied for an apartment. Paid application fee ( {$75.00} ). The leasing office proceeded with our application as if we 100 % decided to move to that complex. However, I stated that we had questions before continuing with this process ; we're approved but had rental questions. Leasing office proceeded regardless of my questions, disregarding any questions that I needed answered. We found another complex we decide to move forward with. The first complex charge my bank account fraudulently ( {$350.00} ), and my bank refunded my funds. Now that amount they think I owe ( {$500.00} ) is in debt collection. Ruining my credit score I'm working very hard to improve.
Complaint sub-issue: Account opened as a result of fraud

Hello So, several days ago I received two money transfers being withdrawn from my bank account. One from my savings account ( I NEVER have given my savings account number to anyone ) and one from my checking ( of which I dont give out either but to pay bills like insurance, cable, etc ) So two fraudulent charges came out of my XXXX XXXX account to Moneylion. I have no idea what moneylion is. So I called about the charges and XXXX XXXX took care of the reversals. Great. But today ( XX/XX/2021 ) i recieved a debit card for a Moneylion account! I did not open a money lion account! Ive contacted Moneylion several times and no response!! They are terrible! Please help me close their account they are allowing hackers to open accounts with fake names. Thank you for your time.
Complaint sub-issue: Public record information inaccurate

I've sent several letters to XXXX, Equifax, and XXXX requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.
Complaint sub-issue: Report provided to employer without your written authorization

When reviewing my credit report I notice that this inaccurate information is still in here, there are inaccurate late payments that I would like to get rid of. These late payments is hindering my life I find it hard to get approved a housing loan and even an auto loan. I am requesting you to please remove the late mark then correct and update the history to never late.
Complaint sub-issue: Received bad information about your loan

My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...
Complaint sub-issue: Didn't receive notice of right to dispute

A collection account from Jefferson Capital Sys was placed on my XXXX credit report without proper notice in accordance with the Fair Credit Report Act. I have no knowledge of this debt and do not believe that it is mine. After disputing the account with XXXX it was added that it is related to XXXX XXXX. I had previously filed CFPB complaint XXXX related to the XXXX XXXX account on XX/XX/2020. I have not had an account with XXXX XXXX for over 3 years and the account had a {$0.00} at the time it was closed. The complaint was forwarded to the FTC. The result of the complaint was that the XXXX XXXX account was removed from my credit report. Now without proper notice or verification the account has been sold to Jefferson Capital Systems.
Complaint sub-issue: Didn't receive notice of right to dispute

Hello I was just writing in regards to some accounts that were settled and satisfied. but the creditors are still refusing to remove them from my credit reports. this is causing alot of problems for me to get approved for a loan. I asked for the accounts to be remove permanently. please help me with this if you can. thanks.
Complaint sub-issue: Account status

I had the sate of Washington unemployment say I owed {$3300.00} in 2011 I sent them the paperwork proving I do n't. They sent me a paper stating I do not owe the money and it was up to me to get it off my credit report.
Complaint sub-issue: Old information reappears or never goes away

Equifax has already deleted a XXXX loan account few weeks ago, today they reinsert the account.
Complaint sub-issue: Information belongs to someone else

After reviewing my XXXX XXXX, Equifax credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, XXXX, and equifax on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

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 Equifax account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be XXXX XXXX XXXX XXXX XXXX I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Complaint sub-issue: Account status incorrect

1. Citibank granted me Covid Defferal for 3 months however Citibank neglected to process the third month and put my account into a past due status. it wasnt until many calls later this had been discoverd. 
2. Egregious customer care 3. Inconsistant employee knowledge of CitiBanks protocals 4. Being told making a partial payment would keep my account from being past due however doing this put my account past due for two consecutive months when indeed it was not 5. Not being able to correct my account in a timely manor ... being told over and over it would take 7-10 business days to correct 6. My account being thrown into collections when it shouldnt have been 7. Being charged late fees in error and not being able to reverse in a timely manor 8. Damaging my almost perfect credit report ... falsely reporting three late payments ... FICO down to XXXX from almost a perfect score ... Citibank is the only bank to report late payments during covid 9. Being told Citibank wasnt responsible for correcting my credit report 10. Being denied credit with other banks due to Citibanks errors ( first time ever in my life ) 11. Sky high interest rate for an auto loan I was eventually given 12. Not being able to speak to the department responsible for correcting my account. THIS SHOULD BE ILLEGAL!!!!

13.. Having been told numerous times there wasnt anything representatives could do about the errors ... .WHAT?

14. Time wasted during lengthly phone calls, chatting online, writing and faxing a letter to an address I was given with no response.
Complaint sub-issue: Personal information incorrect

I HAVE SENT MULTIPLE LETTERS AND PROOFS TO EQUIFAX TO UPDATE MY CURRENT ADDRESS AND REMOVE OLD FRAUDULENT ADDRESSES THEY HAVE REFUSED TO DO SO. I HAVE NOTIFIED THEM THAT MY CURRENT ADDRESS IS XXXXXXXX XXXX XXXX XXXX MI. XXXX. I HAVE ASKED THEM TO REMOVE ALL OTHER ADDRESSES AS THEY ARE INVALID AND FRAUDULENT THEY HAVE REFUSED TO DO SO. THEY ARE LEAVING THIS INFORMATION ON MY RECORD LEAVING MY OPEN TO BECOME A VICTIM OF IDENTITY THEFT ONCE AGAIN
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax numerous of times, requesting information that i have yet to receive. Equifax is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Account status incorrect

I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.
Complaint sub-issue: Used obscene/profane/abusive language

The debt collections person called me and yelled at me telling me that I am a terrible person and that she did n't have to treat me politely and respectfully, because I owe money. She repeatedly harassed me telling me that she 's here to collect a debt from a person who is less than honest and not worthy of respect and that I should just shut up and pay the money. 

After 20min of asking her to please be polite and treat me with respect she told me that she was n't interested in treating me right and had the right to treat me like I am beneath her. She would n't refer me to a supervisor until I repeatedly asked her again and again and after she finally referred me over she muttered several expletives as she hung up.
Complaint sub-issue: Account status

I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and XXXX credit services.
Complaint sub-issue: Billing problem

On XX/XX/ 2018, we made the initial payment on our auto loan from Ally in the amount of {$440.00}. We used our XXXX online bill payment service. Several days later we got an email from Ally saying our payment was past due. After calling them, we decided to pay the initial payment again and work on resolving the problem hoping to get a credit. We consulted with our bank, who provided a proof of payment letter for Ally, which we faxed to them, along with proof that we were the owners of the bank account. We have since talked to Ally on the phone, used their online chat, and sent faxes with the documentation of proof of payment and have been told that the situation would be rectified but to date nothing has happened.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried since XX/XX/2017 to have XXXX, Equifax & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Complaint sub-issue: Information belongs to someone else

I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Complaint sub-issue: Deposits and withdrawals

US bank is holding a {$200.00} Check Deposit with no explanation given. I have not overdraft or given them any reason to hold these funds. They are making the availability several weeks from the date of deposit. 
I have spoken to a branch manager who requested the hold be removed, which was denied. I have contacted them by phone several times which I have never got a straight answer. Only to be yelled at by a phone banker. They do not treat their customers well, and are going against federal regulations on funds availability.
Complaint sub-issue: Didn't receive enough information to verify debt

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, has violated my rights. 

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: Account status incorrect

Regarding : XXXX XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. As you can see with the attached HUD1 settlement statement. The Deed of Release was filed on XX/XX/XXXX. 
Equifax is reporting this home as last delinquent as of XX/XX/XXXX! How is this possible when these accounts were paid in full XX/XX/XXXX?
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Equifax to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Equifax maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Equifax. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Equifax about. I'm confused, how can Equifax say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.