Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I have not had a XXXX account since XXXX and yet they reported me as having a debt that was turned in to collections in XXXX of XXXX for {$280.00}. I have not reached out to them because I don't have an account with them to verify who I am. The debt they are trying to collect has got to be identity theft or something because I have had a XXXX XXXX cell phone from XXXX for several years now. I can show records of my payments to XXXX XXXX  through my bank because it gets automatically taken out. The collection agency that is on my credit report is called XXXX XXXX XXXX.
Complaint sub-issue: Can't close your account

US Bank has been deploying unethical practices in the way it interacts with consumers. In my case, I serve on the board of a non-profit that has a banking relationship with US Bank. We were told our account wouldn't have any fees, but it did so we requested to close our account. We followed their instructions and submitted the written request to close our accounts back in XXXX of XXXX. I've called in more than 8 times over the last 3 months to get updates because they never respond via the email they instructed we send the notification to. During this time they've continued to charge fees. I call in again and they ask me to send the same form, which I comply and send again ( I've sent the form 3 or 4 times now ). After 3 months I finally get a response to my email saying they can't close my account because I've requested the fees be refunded and I need to call on that. Interestingly enough, I had already called on that, but they didn't say I had to call a separate department to make that request as well. They're continuing to use delay tactics and charge fees. As of today the account is still not closed.
Complaint sub-issue: Problem with fees

XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, has a late fee policy that is gauging and loan sharking consumers by applying high late fees and on top of the late fees 29 % interest on the late fees, a double penalty to the consumer. These fees are incredibly higher than what mortgage company charges. Worst all, the customer service reps ( CSRs ) are measured by the number of fees they " do not '' remove and the number of " courtesy removals '' not applied. Upon these CSR reaching their goals, they receive bonuses that those bonuses are greater in the executive management hierarchy. Just look at these companies SEC filings!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution XXXXXXXX XXXX and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Complaint sub-issue: Account information incorrect

I am a consumer and I am being violated of my rights as a consumer to have accurate credit reporting on my credit file with Equifax FCRA 611 ( 15 U.S.C. 1681I ) .Equifax has not verified the late payment reporting on my credit file and it is hindering me the consumer from purchasing a house. I have sent in Multiple disputes with Equifax about two student loans account that are being reported inaccurate on my credit file. I have disputed both of my student loans account 5x total and Equifax states that their information is correct. 

I have proof that Equifax is changing around my payment history and Equifax is not corporation with my rights as a consumer of having ACCURATE information on my credit file XXXX XXXX XXXX have stated that they have different payment history then Equifax. 

Equifax has never sent me how they Validated my payment history on both accounts being disputed. Equifax sent me a Statement of my student loans which is not a method of verification. 

CFPB I want to remind you it is your duty to protect the consumer from being poorly treated by the credit reporting company such as Equifax and to make sure that each file is showing accurate reporting. 

I also have attached the Statement Equifax sent me as their validation and both of my written letters with the tracking number attached. 

I also have attached a report that Equifax is reportedly differently then XXXX & XXXX and Equifax is missing information such as the Date of Last activity & date of last payment this is Illegal to report. ALL information must Match and be 100 % accurate.
Complaint sub-issue: Deposits and withdrawals

My Pnc account is not connecting to my XXXX  credit application. This restricts me from submitting my application for a future purchase.
Complaint sub-issue: Account status incorrect

I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I most recently have gotten back my results from a dispute I have opened up about the following account on my credit report. " ACCOUNT # XXXX XXXX/XXXX   XXXX XXXX ''. The dispute confirmation number is XXXX. This account has yet again come back " verified & update '' despite the fact that I sent it a letter from the company stating that it had no contract with my signature on it linking me and proving that I am responsible for this alleged debt that is still on my credit report, bringing down my credit score and had cause a decrease in a line of credit I have with XXXX. 

I would like to know how was this account investigated? I would like to know to what methods was this account investigated and verified and updated? What human person at this company did someone from Equifax speak to and confirm that there is indeed documentation and a binding contract with my signature on in proving I am the one whom indeed opened, used and accrued debt on this account? 

I am again to believe that Equifax has broken FCRA laws and not done a complete and thorough investigation in to the validity of this account. I am to believe that yet again after another dispute with backing documentation, Equifax instead used the XXXX   system to yet again verify this account. 

As this account was wrongfully verified I would like it immediately removed and deleted from my credit report. Also for each time I disputed this account, whether it been by mail or online, I would like to be shown, IN FULL DETAIL, how each of these disputes came back verified or updated. If i am denied this information I will see the as yet another violation of the FCRA as negligent and willful noncompliance by Equifax. 

I intend to bring suite to Equifax, for multiple FCRA infractions and punitive damages they have caused me in pursuit of trying to get this negative account removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I am a federally protected consumer and my consumer rights are being violated pursuant to USC 1681 Fair Credit Reporting ACT. There are fraudulent accounts appearing on my credit file and I have filed an identity theft report with the Federal Trade Commission. Pursuant to 1681c-2 Block of information resulting from identity theft- I need the following accounts blocked and deleted from my credit file immediately and must be deleted with 4 days according to congress . These accounts may not appear on my file in the future because I do not give permission. 

The Following Accounts need to be deleted immediately : 1. XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX 2. XXXX XXXX Account Number XXXX 3. XXXX Account XXXX 4. XXXX XXXX Account Number- XXXX 5. XXXX XXXX Account Number- XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Collection Account # 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: Information belongs to someone else

These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Complaint sub-issue: Investigation took more than 30 days

I did sent correspondence to Equifax and XXXX regarding the false reporting of this account ending in XXXX by discover. I sent a letter to the credit reporting agency that the creditor sent to me where it clearly shows the a major error of inaccuracies.
Complaint sub-issue: Investigation took more than 30 days

I previously filed a complaint on Equifax because they took well over 30 days to get back with me with a 3rd round of dispute results. They are required under the FCRA to immediately delete the disputed items after taking over the required time to get back with consumers. Thus, my complaint 's desired fair resolution was to have the items deleted, especially because IT IS LAW. I explicitly stated : " I am seeking deletion of the items that I last disputed with Equifax. A fair resolution to this issue is for Equifax to delete the disputed items as required under the FCRA and FDCPA, considering they have not responded in the required timely manner to my disputes. In addition, due to the system glitches they informed me of via phone. I am providing my phone number on this complaint so that they can possibly look up any calls made. Nevertheless, they should already be aware of the glitches they faced weeks ago. What is basically fair is for Equifax to abide by the law -- the FCRA and FDCPA -- and delete those disputed accounts. Aside from the issue of time, they haven't even validated or verified these disputed accounts. I have done my best to do my due diligence and pursue due process, but their negligence has disrupted this process. '' Nowhere did I allow for them to get away with doing another pretend round of investigation, partly because they are NOT allowed to. ( Another complaint issue aside from reporting practices are their communication tactics, such as what I am describing ). They are once again in violation of the FCRA, and I demand that the disputed items be removed. Oh, and to add another violation to that major one -- to top things off -- in their new pretend investigation, they once again did not provide a shred of proof to me, the consumer, verifying & validating these accounts! Once again, just another bunch of " verified '' claims without providing documentation! The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. What gives Equifax the right to house my personal information and consumer credit information on me if they themselves have not seen let alone provided to me a shred of proof?! I am prepared to sue for damages. They are NOT supposed to report information that THEY DO NOT EVEN HAVE PROOF OF AND ARE JUST TAKING COMPANIES ' WORDS FOR THAT THEY'RE SUPPOSEDLY 'VERIFIED ' AND 'VALID '. I am absolutely disgusted at this and DEMAND that these disputed accounts be immediately deleted.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX Ln # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.
Complaint sub-issue: Attempted to collect wrong amount

TITLE MAX OF GEORGIA is claiming that I owe an alleged debt from XX/XX/2021 in the positive balance of {$2800.00} with the finance charge being {$320.00}. In the written initial communication, I noticed several violations such as billing errors, reflecting an alleged debt owed in a positive balance, referring to the consumer in all capital letters instead of referring to the consumer as a natural person in proper spelling, charging the consumer unlawful charges outside of the finance charge. I also noticed that in the written initial communication, I was not given the proper forms and full disclosure about my right to rescind and my right to opt out of anything being reported to consumer reporting agencies. So, I sent a notarized debt validation letter on XX/XX/2021. TITLE MAX OF GEORGIA never responded which is another violation. Next, I sent a notarized cease and desist notice stating my demands based on the violations on XX/XX/2021 after receiving multiple calls from TITLE MAX OF GEORGIA attempting to collect a debt. On XX/XX/2021, I sent a notarized affidavit of truth with exhibits attached based on the same violations to TITLE MAX OF GEORGIA with a bill of particulars attached. On XX/XX/2021, TITLE MAX OF GEORGIA responded by sending me a letter stating that they received my notices but still believes that I owe this debt and attached a copy of the electronic agreement with " PAID '' written across the pages. TITLE MAX OF GEORGIA is willfully neglecting my consumer rights and the documents I have sent to them. All of these documents were sent via XXXX certified mail to the registered agent of the company. I have prepared a default and opportunity to cure to the company due to not responding in the time frame given on the documents.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2017 I accessed my personal credit report on Equifax website ( will attach screenshot ) at that time I no negative items showing because they have all been removed for one reason or another. On XX/XX/XXXX 2 accounts were added back with out a 5 day notice by the FCRA standards that one of Equifax valued employees saying do n't exist. I called spoke with a young lady and resolved my issues with no problem by removing them. On XX/XX/XXXX I went to XX/XX/XXXX and the rep informed me that I have a charge off and collection on my credit report. I immediately contacted Equifax where the rep stated its nothing she can do and there is no such thing as FCRA 5 day notice. I immediately told her that 's not true and began to state facts to her where we still didnt get a resolution. I need the negative information from my credit file immediately. The accounts are XXXX XXXX and XXXX XXXX XXXX. I am very angry that Equifax has yet broken the law again by doing this and then you get rude employees that do n't know the law. I am attaching the information below and expect immediate results. The files i uploaded are proof that those accounts were not on there and had been removed
Complaint sub-issue: Information belongs to someone else

I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the XXXX XXXX...
Complaint sub-issue: Their investigation did not fix an error on your report

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX and DEPT OF ED/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem lowering your monthly payments

While in forbearance and applying for a loan reduction, XXXX XXXX sent negative remarks to XXXX  for non payment of accumulated interest.
Complaint sub-issue: Investigation took more than 30 days

I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed.

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 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 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. 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 ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.