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

After disputing numerous times for equifax to verify XXXX XXXX XXXX XXXX on my report, equifax just update and didn't send no proof from this company that this account is valid. They are reporting this as a repossession, which is incorrect and fail to remove. Told me it was nothing they could do when this has been on my report since 2013. They allowed this company to send false payments reports without verifying. As a consumer I do have rights, especially when the company has used my credit report as leverage over me. 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. Thank you.
Complaint sub-issue: Investigation took more than 30 days

My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX I contacted XXXX to update my employment information on my credit report. 

I started a job on XXXX at gXXXX XXXX in XXXX XXXX  and XXXX will not update my info in my personal info
Complaint sub-issue: Didn't receive notice of right to dispute

I paid off my student loans to a {$0.00} balance. My issues are that I was never notified the loans were in default and assigned to collections. I also have issues with the monthly statements I paid one month and the very next month showing 60 days late. Please thoroughly review the information reporting in my credit profiles to see the various discrepancies.
Complaint sub-issue: Debt resulted from identity theft

my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

My loans have transferred from XXXX XXXX to American Education Services. My complaint is that this servicer DOES NOT provide the information necessary in order for me to manage my loans. The website DOES NOT provide information on my scheduled payment plans, so I have no idea when my payments will be increased. The website DOES NOT provide information on how many months I am paid ahead. The servicer DOES NOT allow for overpayments to be applied to multiple loans in one account. These are ALL basic items that XXXX XXXX allowed consumers to do. This information is needed for consumers to plan and manager their student loans.
Complaint sub-issue: Didn't receive enough information to verify debt

My state attorney advised me to send a letter to validate the debt which was sent to their office on XX/XX/07. Per the Fair Credit Reporting Act, it states that I have the right to validate the debt, if they are unable to comply within 30 days, they must delete it from all 3 credit  bureaus. The amount shown is {$1500.00} and {$500.00}. 

It has been more than 30 days therefore I am submitting this complaint to notify the violation before I take legal action.
Complaint sub-issue: Information is not mine

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXXAlert Date : XXXX/XXXX/2015Source : EQUIFAXCompany : XXXX XXXXPayment Status : UNPAID ( UNPAID ) Status Date : XXXX/XXXX/2015Balance : $ XXXXXXXXBalance Date : N/AAddress : XXXX, WA XXXXXXXXThe information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Was not notified of investigation status or results

I am writing this complaint due to a number of actions that you have taken that have completely disregarded my rights under the FCRA, FDCPA, AND THE FACT ACT in which you have a legal duty to comply to. Failure to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) You failed to validate a debt at my request, FCRA Section 611 Part ( A ) ( 1 ) which is a FDCPA violation and you continued to furnish a disputed debt. another FCRA violation. You also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me. " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense since I have a track record of you not sending documents back to me. By submitting an Identity Theft Report to a CRA, a victim can stop the CRAs from reporting information resulting from the identity theft on the victims credit report. The CRAs have up to four business days after they accept the Report to block the information. FCRA 605B, 15 U.S.C. 1681c-2. Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). The same prohibition on refurnishing fraudulent information to a CRA applies if the victim files there Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). CRA refuse to correct information after being provided proof of inaccuracy is a violation ; defamation, willful injury FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ) .CRA have not validated debt and they still continue to report FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to CRA 'S abusive and deceptive business practices.
Complaint sub-issue: Account information incorrect

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & Equifax to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( Equifax ) which makes me believe the debt has been re-aged. I would also like it to be noted that Equifax is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I received a billing statement from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX citing they representing Discover Bank on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only XXXX notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX  I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
Complaint sub-issue: Debt was result of identity theft

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Trouble getting a working replacement card

I have had money stolen from this CASH APP CARD by these XXXX - XXXX XXXX  XXXX people who are HACKER TEAMS that have set up business vto steal from XXXX XXXX Now the 1st card # XXXX Stole {$140.00} and I reported it to CASH APP and nothing was done I demanded a new card they refused and gave me the run around.. 
Next card I had over 4 refunds and transactions stolen before I could get it I have DEMANDED a card replacement I was refused I sent letters into CASH APP demanding my money back and to do an investigation and I DEMANDED A NEW CARD I WAS REFUSED I DEMAND MY MONEY BACK CASH APP and others are aware of these XXXX - XXXX XXXX XXXXXXXX Hackers Teams and Business popping up and stealing the living man and woman 's credit cards, banking accounts SSN, and Business that are online based, the 2nd card numbers are # XXXX I have never got my money I lost card and they CASH APP has refused to send me a card
Complaint sub-issue: Right to dispute notice not received

These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?
Complaint sub-issue: Old information reappears or never goes away

I filed a complaint with CFPB in XX/XX/XXXX - your report # XXXX I heard nothing else from this company until I got a notice early this year on my credit report saying it was 120 days past due which made a big difference in my credit score This account was written off by the company and when doing that they decided to file this negative past due payment information So everything they say is not true. They have not been able to prove to me that this was a joint account by providing my original paperwork that I signed in XX/XX/XXXX They have not sent me any of these 120 days notice of late payments by mail or email
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED and CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed items will 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Complaint sub-issue: Information belongs to someone else

This compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, Equifax & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, Equifax and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I disputed a XXXX XXXX XXXX XXXX account on my Equifax credit report. Equifax can back and said " The item was VERIFIED '' on my dispute letter it's states " PROVIDE ME WITH PROOF THAT THIS ITEM IS MINE WRITTEN CONTRACT AND ANY DOCUMENTATION WITH MY SIGNATURE '' .Under the Fair Credit Reporting Act that's my right to received the documents.Equifax Failed to do so they have violated the Fair Credit Reporting Act. HOW CAN YOU VERIFY A ITEM WITH NO WRITTEN CONTACT? HOW ARE EQUIFAX VERIFYING ITEM? WHO VERIFIED THIS ITEM? I want this negative item off my credit report as soon as possible. And remove All non holding account inquiries I have contacted all they companies and they failed to provide me with proof that I authorize inquiries
Complaint sub-issue: Information belongs to someone else

EQUIFAX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means EQUIFAX didnt exercise there grave responsibility to my consumer report. EQUIFAX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed EQUIFAX in writing to furnish this report and never consented to this report of XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX as well as XXXXXXXX XXXX INQUIRY ON XX/XX/XXXX and XXXX XXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So EQUIFAX just assumed that EQUIFAX could report this and EQUIFAX never had my permission and stole my identity to report on my behalf.
Complaint sub-issue: Information belongs to someone else

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDIT PLUS, INC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX  and XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CREDIT PLUS, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CREDIT PLUS, INC for review or collection.
Complaint sub-issue: Billing problem

Predatory lending practices. 

Impossible to get live person to talk to. 

Incorrect records on their part based on their poor lending communication. 

Age discrimination practices
Complaint sub-issue: Threatened or suggested your credit would be damaged

On multiple occasions Ive disputed a false collection for a XXXX ( no longer in business ) device I never even owned and company refuses to provide proof of. They will not remove account from my credit. When sent complaint by CFPB they state they have no record of my account. This company is XXXX XXXX. Upon my persistence, they assessed a new account identical to the XXXX XXXX account in another name. Enhanced Recovery