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

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  NXXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information is not mine

recently learned that my identity was stolen and still trying to resolve the many problems that pop up daily due that. 
i filed a FTC Identity Theft Victims ' Complaint and Affidavit no. XXXX, then filed police report with XXXX police department report no. XXXX, in addition i filed US Postal inspector mail theft report and faxed and mailed through certify mail to all the fraudulent creditors and the XXXX reporting agencies ( sent police report, completed Ftc affidavit, copy of driver license and social security along with letter requesting all the records and requesting the credit reporting agencies to block the fraudulent accounts removed and blocked in pursuant of section 605B of the fair credit reporting act. 

XXXX and XXXX both respond in timely manner. 

Equifax refused to do so and attached their response as follows " XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time will not block the information subject to the submitted identity theft and /orpolice report you provided as part of your dispute. We are contacting each creditor directly to verify the account /s onyour behalf. We will also forward a copy of documents you have provided to each creditor for their review. " please help me solve this issue its costing me time and money that i do n't have. 

thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.15 USC 1681 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Can't temporarily delay making payments

Sallie Mae has provided me no grace period for my loans. After complaining multiple times, I was still not given an answer. I graduated school in XX/XX/XXXX to which the next month I began to get charged. I called before I had a balance to which I tried to see if there were any programs that I could enroll to defer. I am unemployed. I could not make payments and they gave me no way to pay them time and time again. In XXXX, I was told that I had to provide proof I was in school in XXXX, which I did. I provided both my transcripts, school clearing house records through fax and via secure document portal. I had to borrow money from family to not go into default. They continued to charge me monthly. They could never answer my question regarding, my grace period. They have never tried to give it to me and continue to harass me day, night and day after day with emails and calls. It comes to the point of where I can't even answer my phone if jobs are calling me because of the harassment. In XXXX, they tried to sign me up with this repayment program of where you only pay interest because it was the only option given to me. They would still send emails and calls harassing me, they have even tried to take out money before it was due. They don't allow you to make custom payments on their website. They don't allow you to send payment with a card. They only allow payments through a bank account, with total amount due. I spoke to multiple employees ; Where I have recorded multiple conversations and I have a bunch of their employee numbers.As of XX/XX/XXXX, their employees and supervisors lied. I was told if I paid with borrowed money I would be eligible for a forbearance. My account was made current. I talked to XXXX XXXX and XXXX XXXX XXXX ( lied about her name )! They told me that after my payment, I could have forbearance. Now the supervisor XXXX XXXX said the FDIC doesn't do forbearance and they can't help me. She had no resolution for their improper practices.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and the vehicle was involved in a car accident on XX/XX/XXXX. On XX/XX/XXXX, the insurance company deemed the car to be a total loss. During the payoff process the insurance company advised that the finance company did not have the correct Title Work for the vehicle. There was a misprint regarding the mileage along with the car being registered in the state of Arizona. The car should have been registered in the state of Texas. Due to the misprint the insurance company XXXX XXXX ) stated that they would not be able to pay off the car due to the inaccuracy of the title. The finance company ( XXXX ) encouraged me to contact Carvana to have the issue resolved regarding the title. The process began XX/XX/XXXX and was updated XX/XX/XXXX, along with the license plates being received by mail on XX/XX/XXXX. I contacted the insurance company to proceed with getting the car paid off and was informed that a title search had to be completed before sending a payoff check to the finance company. I was advised that a payoff check could not be established due to the car being registered to an unknown third party. I have been working with Carvana for several months with this ongoing issue without any success. My credit has been impacted tremendously, when creditors review my credit they will think that my ability to repay is unsatisfactory. At this point I am asking that Carvana assumes ALL responsibility regarding this total loss. The State Law of Texas mandates that car dealers or finance companies to register the title to a purchaser within 20days of the purchase. Failure to do so subjects them to liability under the dealer licensing laws and if title is not conveyed, to civil liability to a buyer. It is a deceptive trade practice to sell a car to which you do not have title.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax XXXX XXXX reported a hard inquiry from Equifax XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX Bank authorization to run my credit a 2nd time for a home loan. XXXX Bank stated that the inquiry would be a soft inquiry because of a mistake made by XXXX Bank. 

A hard inquiry by XXXX Bank by Equifax XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX Bank stated the error was theirs. Still, XXXX Bank allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Complaint sub-issue: Was not notified of investigation status or results

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.
Complaint sub-issue: Information is not mine

My identity was stolen and a XXXX service was provided for an address in which I never lived. This service was n't paid for so I was left with a debt of {$1000.00}. I only came to find out about this debt after it was posted on my credit report as a collection. Disputed the charge but to no avail. I can provide any information needed to help solve this issue.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for ECMC XXXX 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from ECMC once I contacted ECMC about the matter. 
XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with ECMC. 


2 ) Account Technologies over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with ECMC and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX   XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX  XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX  ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 )  XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to ECMC, but the monies were sent to them directly and they have never recorded it so that ECMC can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to XXXX U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
5. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, LA XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX 9. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
10. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX XXXX XXXX with Equifax credit agency. After investigation about a year ago, Equifax along with XXXX  and XXXX  found that the account XXXX XXXX XXXX was trying to collect on was not my account and removed collection company from my credit reports. However, very recently XXXX XXXX XXXX place said account in the amount of {$93.00} back onto my Equifax Credit Report damaging my credit and my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

According with the Fair credit reporting act covergant accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy.

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Received bad information about your loan

I attempted to apply for Public Service Loan Forgiveness. When I applied in XXXX, they told me my employer didn't qualify. I submitted my W2 to prove that my Agency is a regulatory agency under The State of Oregon and does qualify. They updated my PSLF count to having made XXXX qualifying payments. I applied again, 3 months later, because I considered myself to have completed the terms required. I have worked for the The State of Oregon for 13 years. They again indicated that my Agency did not qualify, even though my employer had not changed. I resubmitted my W2 and they eventually determined it to qualify a second time. Then I was given an updated letter, but showing the SAME qualifying payment count as when I applied in XX/XX/2022. I qualify for loan forgiveness, but instead of forgiveness being granted, my loans were transferred from XXXX XXXX to Mohela, who also has not helped me solve this issue. I feel this is unethical.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

CITICARDS CBNA XXXX Date Opened XX/XX/16 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX  XXXX XXXX Balance Owed : {$530.00}
Complaint sub-issue: Reporting company used your report improperly

Through poor security practices, Equifax exposed my personally identifiable information to malicious third parties in a massive data breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected, and I received no email, letter, or phone call explaining the situation ( and instead learned of it through social media ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax Equifax has not updated my XXXX score since XXXX of XXXX. It is still reporting my XXXX score in the XXXX. I am contacting the agency only to get the run around. All my other credit score are in the XXXX. It seems as though this is a part of the erroneous credit scores that were uploaded in late spring ; early summer. 

Thank you, XXXX XXXX