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

I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.
Complaint sub-issue: Information belongs to someone else

The following accounts and inquires I had nothing to do with.
Complaint sub-issue: Didn't receive enough information to verify debt

I have fling another complaint against Eltman Law and XXXX. They are cashing my checks for the month of XX/XX/XXXX and XX/XX/XXXX. I tried to call them and a recorded message came on the are not accepting calls. These people are violating the law and commuting fraud. There are too many attorneys and companies involved with inaccurate information. Some company by the name of XXXX claim to be affiliated with XXXX state I owe over {$40000.00} that is incorrect this was settled in XX/XX/XXXX for {$10000.00} and i have paid every month. I plan on filing FDCPA Violations against all that is involved.
Complaint sub-issue: Other problem getting your report or credit score

Due to the databreach at Equifax I believe I have been victim to ongoing identity theft. I am unable to verify my identity with XXXX  e-verify as well as any service which uses Equifax. I have repeatedly contacted Equifax by phone to unlock my account which locked me out of the ability to login for over a year. I refuse to send Equifax copies of my personal identification by mail for verification. I do not trust Equifax nor do I consent to them having or using my personal data. Because of the data breach at Equifax my financial life is severely damaged and I will not send them anything as they can not be trusted. I have no issues verifying my identity with XXXX XXXX or XXXX. However Equifax has false adverse actions on my report which I need to review and can not. 
I am able to provide correct answers to all my verification requirements by phone however they demand these documents which I refuse to provide. I have explained time and time again that I need to verify what fraudulent adverse accounts are being shared by Equifax. 
I have verified my identity with the XXXX and XXXX XXXX XXXX in person and Equifax could easily check public records to verify facts like property ownership and LLC EIN or any other info. I refuse to send them my license and ssn # cards. How can I know they will not misplace or improperly dispense of those copies? I do not trust them. They are required by law to provide my report and that report is filled with fraudulent information which I am unable to address due to Equifax failure to keep my information safe.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and XXXX  have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Personal information incorrect

I do not or have not ever lived in North Carolina my ex-wife and her family is from there but I have never lived there I have never been there but yet I keep getting hard inquiries from there I believe that my ex-wife is using my information.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 2. Identity Theft XXXX 'S Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 4. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX invalid late payments - Payments were submitted on time from my account, XXXX of not pulled in time but was paid on time 6. 15 U.S. Code 1692g - Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 11. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 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 {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I don't have any XXXX XXXX credit cards account as of now, but Equifax claims that I have 3 XXXX accounts under my name, tried to contact Equifax but was unable to get my phone call transferred to any representatives, I also file a paper dispute form by mail in XX/XX/2022, never receive any response.
Complaint sub-issue: Information belongs to someone else

I submitted dispute requests asking Equifax to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX which appears on my Equifax credit file. I asked Equifax to furnish me with proof - contract or agreement bearing my signature- to help me determine if this account is fraudulent. 

Equifax did not investigate this account, nor have they provided me with contracts or agreements bearing my signature as it relates to this account. 

There is a fraud alert on my Equifax file and I am concerned that they are not properly investigating potential fraudulent accounts.
Complaint sub-issue: Public record information inaccurate

SOMEONE STOLE MY DRIVER 'S LICENSE, USED IT TO GET A DL, AND GOT TRAFFIC CITATIONS IN MY GOOD NAME, IN THE STATE OF UTAH USA. 
UTAH TRAFFIC CITATION # XXXX, ON OR ABOUT : XX/XX/2021. 
AND CITATION # XXXX, ON OR ABOUT : XX/XX/2021.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX suppose to send me back my security deposit in the amount of 150 $ 30 days after I moved out of the apartment. Instead of returning my deposit they ( XXXX XXXX ) sent me the final statement by email without signature which made me believe someone is trying to commit fraud against me. 
On my response to provide me the proof of necessary activity they are going to charge me for ( Painting, Carpet replacement ) I did not receive any. 
Instead I was reported to collection agency which will affect my credit. 
I am demanding my security deposit back plus removing my file from collection plus compensation for moral damage
Complaint sub-issue: Their investigation did not fix an error on your report

During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and  have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the Rise account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
Complaint sub-issue: Information belongs to someone else

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

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Complaint sub-issue: Public record information inaccurate

XXXX, Equifax and XXXX is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the U.S. Bankruptcy Court Northern District of Ohio which is false. I have attached a letter from the U. S. Bankruptcy Court Of Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. XXXX, Equifax and XXXX is falsely stating this information and yet to remove this from my credit report.
Complaint sub-issue: Didn't receive terms that were advertised

I participated an account-opening reward program with Citi Bank and opened both checking and saving accounts with Citi in early XXXX, XXXX. The reward is for {$500.00} total : {$100.00} cash bonus on checking account and {$400.00} bonus on saving, if certain criteria are met then the reward would be automatically deposited to my account in six weeks. 

However until XX/XX/XXXX, I still didn't receive any reward thus I reached out on Citi online bank customer service for an inquiry. XXXX from online banking assisted me and confirmed I met all the criteria for receiving the bonus. Moreover, she also assured me the cash bonus will be deposited by XX/XX/XXXX. I have also printed the conversation scripts for a record. 

Until today, I have never received such reward for {$500.00}. I have contacted online banks, tried to call customer service for a couple of time since a week ago - I was only told that a case has been opened for investigation. Beyond that, even though it has been another week and passed the deadline, no any action has been taken nor any one has contacted me for a resolution. 

I'd like to have Citi bank deposit the cash bonus to my bank account ASAP, instead of acting passively. 

Location of the Citi Bank XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX Thank you for your investigation and help!
Complaint sub-issue: Overdrafts and overdraft fees

I was charged NSF fees of {$72.00} on a negative bal of {$5.00}. when I spoke to 2 associates on XXXX I was told they Couldnt do anything even though I never was notified of the bal via phone email or standard mail. 
Apparently they dont think it's predatory to charge {$72.00} on XXXX cents. - {$5.00} in my calculation I had a positive bal because of a refund {$8.00}. From a murchant from the past. I was never offered to have the over draft protection canceled. or that I would have anyone look into it further for peace of mind.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I obtained the payment mailing address ( Discover XXXX XXXX XXXX XXXX XXXX CA XXXX ) through their automated telephone system. I was working with a Loan Specialist at XXXX XXXX XXXX XXXX to send a cashiers check for {$7800.00}, which was also provided through the phone. It was mailed out on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX. ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). I spoke with an agent at Discover after it had arrived, and they stated the address is incorrect and hasn't been used since XXXX! They advised any mail sent to that address would be returned to the sender. My credit union was unable to cancel the check, and recommended I follow up with Discover. This meant I now had a payment due with my credit union AND Discover. 

The check was not returned until XX/XX/XXXX, and canceled by the credit union on XX/XX/XXXX. Discover stated they will honor the original pay off estimate if I send a new payment by XX/XX/XXXX, which could not happen until I first received the check.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX continues to furnish negative information on credit file. Company tarnished my credit. Satisfactory of payment will not remove negative tradeline from account.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent and unknown and unauthorized by me. Thess accounts has been appearing and reporting on my credit files. Im demanding the removal of these fraudulent accounts. Please remove the following. 

1. XXXX XXXX {$300.00} 2. XXXX {$1000.00} 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$500.00} 5.XXXX  XXXX  {$60.00} 6. XXXX XXXX {$470.00} 6. XXXX XXXX {$310.00} 7. XXXX XXXX {$730.00} 8. XXXX XXXX {$160.00} 9. XXXX XXXX {$110.00}
Complaint sub-issue: Account information incorrect

I was checking my credit report thru XXXX and noticed I had a collection account for {$26.00}. I called the collection company listed on my report XXXX XXXX XXXX to find out about this {$26.00} that was in collection and was told that XXXX XXXX XXXX XXXX was filing the complaint for XXXX XXXX XXXX XXXX said I owed {$26.00} dollars from a emergency room visit in XXXX. I filed a dispute and called the collection agency XXXX and told them I never received a bill for {$26.00}. from XXXX XXXX. I told them I had XXXX insurances and I never have a balance for medical care. It turned out that they only filed my XXXX and XXXX and didn file XXXX for XXXX which pays whatever is left over from XXXX and XXXX which was the {$26.00}. They took the XXXX billing information and said they would file it. 
I thought everything was taken care of until today when I checked my credit report to see my score had dropped from XXXX to XXXX because of this collection of {$26.00} and another acct. for {$79.00}. XXXX never took this off in spite of my constant calling them. 
I need help in Equifax removing this as it never should have been on my report.
Complaint sub-issue: Trouble with how payments are being handled

I made my first payment to Nelnet in XXXX, XXXX. To get ahead of the curve, I did a large payment of {$3000.00}. Since then, I have been paying roughly {$300.00} every month, which is a little bit more than my monthly payment. 

Due to the first bulk payment, all of my loan group payment due dates were pushed up considerably. I kept paying since this doesn't stop interest from accruing. I always chose the " account payment '' option rather than the " pay by group '' option as I figured Nelnet would distribute the money in the most reasonable manner to pay off the loans across the various loan groups and their respective interest rates. 

My last payment ( XX/XX/XXXX ), I noticed that suddenly my {$300.00} went completely to interest. I found this highly suspect and called the company. According to a representative, a Dept. of Education policy change in XXXX dictated that early payments would always go to the loan group with the highest interest rate if the " account payment '' option was chosen. Therefore, until the pushed up due date from my original bulk payment was finally reached, all of my payments were only going to one loan group ( since roughly XX/XX/XXXX ). 

While this sounds nice on paper, I don't know if this actually would help me, and I may have in fact lost money due to the accruing interest on the other loan groups that Nelnet didn't even distribute ANY money to over this period. While they allegedly were following DOE policy, I was never informed of this policy change by email or on the Nelnet website. I would NOT have continued to choose the " pay by account '' option had I known this is how my money would be distributed. 

I feel as though Nelnet ( or any student loan collection agency ) must be liable for notifying borrowers for any change in payment policies. I don't understand how I was supposed to be aware of a minor policy change that affects such a specific group of people if my lender/collector didn't notify me.
Complaint sub-issue: Reinserted previously deleted info

Equifax has fail to provide me with proper documentation regarding a midland account that I have disputed in the past and is still been reported as accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX STARTED REPORTING A {$710.00} COLLECTION AMOUNT THAT IS NOT OWED TO THEM. I BOUGHT A CAR THROUGH THEM AND COMPLETELY PAID THE LOAN IN FULL AND THEY HAVE NEVER SENT ME A NOTICE ABOUT OWING {$710.00} DOLLARS AND I WOULD LIKE TO HAVE THE ACCOUNT REMOVED FOR INACCURATE INFORMATION Installment Installment Account Number : XXXX Payment Responsibility : Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$710.00} $ XXXX   Monthly Payment : Collection Collection Past Due Amount : {$710.00} {$710.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=I5,XX/XX/XXXX=I4,XX/XX/XXXX=I4 CHARGED OFF ACCOUNT AUTO ACCOUNT CHARGED TO PROFIT AND LOSS
Complaint sub-issue: Debt was paid

XXXX XXXX apartment complex sent me to collections for move out charges. They explained to me that I did not pay a deposit so they couldn't offset the charges incurred at move out. I sent them the part of the contract that we entered into showing that I paid a {$270.00} deposit. Further, they charged me for various things such as a broken microwave and pet carpet cleaning fees. I asked them for proof and supporting documentation for all of the charges several times to no avail. The microwave was not broken and the carpet was clean when I left, however, upon move out I was denied a final walk through and was told to leave my keys in the apartment due to coronavirus. Anything could have happened to the apartment from the time I left the keys in the unlocked apartment ( as instructed by XXXX XXXX employees ) to the time they procured the keys. I never received notification that the keys were in their possession.