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

On XX/XX/2021 I sent a letter to the XXXX XXXX in XXXX XXXX, NV, and asked how and with who they reported my information about my XXXX and they stated the XXXX XXXX does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my XXXX and asked them what was their process for verifying the XXXX that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ADDRESS, XXXX XXXX of XXXX XXXXEMPLOYMENT . THIS INFORMATION SHOULD ONLY BE REPORTED.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a item on my credit file multiple times and it showed deleted and it still reflecting on my credit file
Complaint sub-issue: Information belongs to someone else

I was checking my credit reports and noticed an unauthorized account furnished on my credit report. XXXX XXXX  account opened XX/XX/2013 ending in XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account. Block and remove it. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.
Complaint sub-issue: Account information incorrect

Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  Accnt # XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX Accnt # unknown has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights USBK COURT XXXX - Public Record 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 604A section 2 : 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 items of information ; adverse item of information of than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consume rto any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX Balance : {$27000.00}
Complaint sub-issue: Problem with personal statement of dispute

On Equifax i have disputed sever items and everytime i try to sumitt it states error on several ones im trying to dispute. Then on one account they show its in negative but yet they have it listed again in great standing with payment history and acc current??? It cant be negative and positive but the account is paid in full and has been since 2020.

Then on another account its over 7 years old and shows paid in full but yet listed in negative. They just keep sending back account as when its not on everything ive disputed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found on my credit report from Equifax that XXXX XXXX  XXXX XXXX  did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, Equifax had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.
Complaint sub-issue: Reinserted previously deleted info

Equifax has done the most repulisve and disgusting thing one can possibly do, after nearly 2 years of a contentious near legal battle going agiainst there obstence to block XXXX debts and accounts they have again proven there nefarious colors and reinserted each of the deleted accounts. Juding and juxtaposing the older Equifax statements you clearly see the agreement with them in blocking each of those accounts. 10 months later and now all of them are back. 
XXXX-These had been blocked in XXXX there are XXXX of them XXXX XXXX in XXXX XXXX-Blocked in XXXX XXXX-Blocked in XXXX XXXX-Blocked 7 months ago XXXX-Blocked 3 years ago Et aL, THE ENTIRE THING IS A MESS AND IF THIS ISNT RECTIFIED I HAVE NO OTHER CHOICE BUT TO COMMENCE A SUIT, I HAVE SENT COUNTLESS POLICE REPORTS, FTC NOTICES AND DONE ALL THE LAW ALLOWS, THESE PEOPLE DONT LEARN THEY ARE THE ONLY ONES WHO HAVE DONE THIS REINSERTION
Complaint sub-issue: Information belongs to someone else

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Complaint sub-issue: Trouble with how payments are being handled

The complaint is being filed in accordance with the letter you recently received from 23 US Senators regarding the mismanagement of the student loan forgiveness PSLF program by the loan servicer, the Pennsylvania Higher Education Assistance Agency. 

I am one of the 99 % of people who have qualified for forgiveness of student loans under the PSLF program, but are being denied due to the missteps, errors and mismanagement of the PSLF program. If properly managed my student loans would have been forgiven in XX/XX/XXXX under the PSLF program. Yet, I continue to make regular and consecutive payments 2 years after qualifying for forgiveness. I have made the required 120 payments to the Department of Education ( DOED ) and have worked full time at a qualifying employer. I made these payments since XX/XX/XXXX through XX/XX/XXXX, while being employed at XXXX XXXX XXXX XXXX, XXXX. I received a Fedloan Qualifying letter clearly stating that I have met the terms outlined in the programs guidelines, see the attached pages 2-3 and have proof of payments made to DOED, compiled by my bank, XXXX   XXXX XXXX XXXX, see attached pages 4-7. 

Shortly after receiving the qualifying letter the forgiveness was later denied, due to an arbitrary rule that the first 105 payments made to the DOED were of the Direct Loan type and considered non-qualifying. This hardly seems non-qualifying since all of the payments went directly the DOED, regardless of whether Direct Loans or Fedloan was managing the loan. I then appealed the denial and requested a reevaluation of my loan forgiveness to Fedloan in XXXX of XXXX, see attached page 8. I have had no further correspondence from Fedloan since this request was made regarding my reevaluation.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Attempted to collect wrong amount

I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team..
Complaint sub-issue: Debt was result of identity theft

XXXX   XXXX   XXXX  bought a debt fro m Citibank Best B uy which was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in  2015 . Now  XXXX   XXXX   XXXX  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
Complaint sub-issue: Account information incorrect

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the 30-day late payment.
Complaint sub-issue: Problem with fees

I responded to an offer for a credit card. The offer stated {$75.00} fee for 500 in credit. I accepted and used the card once in XXXX with a purchase of {$65.00}. I then tried to use it and was told the card was restricted. I called but was unable to get a reason for the restricted status. I never received a bill or an explanation and when checking my credit report there was a delinquency and an amount due if {$200.00}. I am disputing the amount owed
Complaint sub-issue: Public record information inaccurate

I have a State Tax Lien, docket # XXXX, being reported on my credit report under the public records section. I have sent numerous letters disputing this lien to Equifax, providing proof of their violation of the FCRA. Their response is that it is being reported correctly via a 3rd party XXXX XXXX. This is a blatant violation of the FCRA 623 ( a ) ( 5 ). If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Being that the original creditor is the XXXX County circuit Court, and they DO NOT report ANY information to the Equifax Credit Bureau ( which i have a letter stating as such from the court ), they are in violation. Also, as of XXXX XXXX, 2017 credit bureaus were supposed to remove all public records that were judgements and Tax liens if they didnt correctly have all information such as 1. Date of Birth 2. SS # 3. Correct Address 4. Correct name This record shows no such information, nor does it have 3 of the 4 needed to stay on a report. I have provided a copy of the final letter i have sent to Equifax. In it, you will see detailed information and PROOF, that this public record needs to be removed. I remind Equifax, 3rd party verification, does not constitute proof that this is valid, it proves that you are in violation of my rights as a consumer.
Complaint sub-issue: Account status incorrect

I have submitted the attached documents to Equifax, XXXX and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX XXXX. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

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

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 All of these are hard inquires on my Equifax credit report in which I did not authorize. 

Equifax- XXXX employee ID XXXX from fraud department refused any assistance even after I spent a total of 4 hours today calling each one of these inquires to request validation of who made these inquires and they could not provide information as to why my credit report was run.
Complaint sub-issue: Other problem getting your report or credit score

I request a copy of all dispute results and documentary evidence from XXXX, and XXXX mailed to me
Complaint sub-issue: Their investigation did not fix an error on your report

Last year around XX/XX/XXXX, I noticed a hard inquiry has been reported against my XXXX  credit report, first I tried to dispute online, along with a XXXX  XXXX account which is not belonged to me, however their website keep saying errors and online dispute was not able to be done at that time. 

Then I called XXXX  after I tried several more times with online dispute, they said they will investigate that issue and suggested me to contact XXXX XXXX & will investigate for that hard inquiry I have never authorized. 

I called XXXX XXXX and they said because I am not their customer, so they are not able to do anything and suggested me to wait for the XXXX  's dispute result. 

At the time, we have activated a fraud alert and credit report freeze. 

A year later, I believe the fraud alert and report freeze has been expired, I look up my credit report again, found another inquiry occurred at XX/XX/XXXX which I have never authorized again, and the hard inquiry that made last year still there, along with that XXXX XXXX 's credit card account which is not belonged to me. 

Therefore, within the whole year, XXXX  did not do anything to fix those 2 issues. 

I have submitted disputes for those 2 hard inquiry, however, when I tried to dispute the XXXX XXXX credit card still saying errors for the website.
Complaint sub-issue: Information belongs to someone else

Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 0XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Company closed your account

Citibank sent me a letter informing me that they are closing my safe deposit box account. The notice stated to contact their customer service to obtain further information. 

When I first got the notice, I reached out to the Citibank branch located at XXXX XXXX XXXX, XXXX, CA XXXX, directly and spoke to the branch manager. The branch manager informed me that they do not see any closure notices for any of my accounts in their system and the letter looked to be fake. He made a copy of the letters and said he will forward these to Citibank fraud department and let me know if there is anything information. 

Upon this information, I took no further action, however, on the notice date, my checking & savings accounts were closed - even though the notice mentioned just my safe deposit box account. This was then followed by closing my credit card accounts by Citibank I sent multiple letters ( via USPS ) requesting further information, however, till date I have received no response to my request.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I had overseas health insurance ( I am a US citizen and was living in XXXX and they had very comprehensive travel insurance ) which paid in full the XXXX XXXX Emergency Physician, but it did take a bit for the hospital to negotiate with them. I handled the situation with AR Resources ( XXXX XXXX XXXX XXXX ) several years ago. Obviously, from my credit report their fees from 2019 were dropped. Suddenly, out of nowhere, these fees once again popped up but, this time, with a double entry and new minor fee. In fact, the lower fee of {$86.00} never existed. The {$930.00} fee is also a double entry. This is obviously an attempt to get me to pay as the way the entries are logged in they create multiple dings to my credit report.