Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I sent a set of dispute letters out to all three credit bureaus. I received my letters back from the other two and got 31 out of 59 items removed. Some of those same accounts were also on my Equifax. However, when I reached out to Equifax after the 45 days in XXXX they said they hadn't received anything. I sent another set out to all three credit bureaus this time certified XX/XX/XXXX. The tracking number stated that Equifax received them XX/XX/XXXX at XXXX XXXX. However, when I called them in XXXX after the 45 days they stated that they haven't received anything from me, and that they haven't received any letters from me since XX/XX/XXXX. This was even after I told them that I tracked it and etc. They refuse to provide me with my credit report updates and continue to state that they hadn't received it. I couldn't find the tracking paper but I did save the tracking number below our pictures of the tracking number as well as a picture showing the time and date that they received my letters.
Complaint sub-issue: Received bad information about your loan

I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.
Complaint sub-issue: Public record information inaccurate

They could authenticate me with my real address because they have an address supposedly thats mine will not let you talk to someone in USA and a supervisor is never around said they called and couldnt leave a message which is a lie they have XXXX XXXX XXXX XXXX  as and address which I have a state issue Id that says otherwise
Complaint sub-issue: Investigation took more than 30 days

I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from Equifax, XXXX or XXXX. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.
Complaint sub-issue: Information belongs to someone else

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX/XXXX XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks --
Complaint sub-issue: Having problems with customer service

Sallie Mae has continuously called our phone number and we are a XXXX. The person they are trying to reach CAN NOT be reached through this number. Sallie Mae 's representative is aware of this, yet she continues to call and harass employees who are not involved in this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

For 2 years now I have been disputing the same information on my credit report & Equifax has ignored my many disputes. As a result I was just recently denied for another credit card that wouldve elevated my utilization & supplied me with the financial freedom in order to start my real estate company. Equifax continues to get away with violating the FCRA & I am close to filing a lawsuit with my federal court for willful negligence. Their malfeasance is inexcusable & needs to be punished
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Equifax and XXXX have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Billing dispute for services

As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with XXXX XXXX  and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with XXXX. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.
Complaint sub-issue: Didn't receive enough information to verify debt

A collection appeared on my credit report back in XXXX from a company called Hunter Warfield out of XXXX FL. They claim that I owe {$15000.00} in rent for a home from XXXX XXXX XXXX XXXX. I have never rented a home from anyone by that name, in fact I have lived my current home for over 25 years. I have repeatedly asked for verification of the debt and had a lawyer send a certified letter also asking for verification of the debt to which I received no response. I know they received the request as someone signed for the letter. They continually call me to harass me about this and as of today this is still showing up on my credit reports and I would like to have it removed without having to endure the expense of taking them to court, which I will do if necessary.
Complaint sub-issue: Contacted your employer

I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?
Complaint sub-issue: Information belongs to someone else

This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative. 

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}
Complaint sub-issue: Debt resulted from identity theft

ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, XXXX, FL XXXX Phone : XXXX Fax Numbers : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ERC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Complaint sub-issue: Was not notified of investigation status or results

XXXX / 30 days late in XXXX 2020, XXXX 2020, XXXX 2020, 60 days late in XXXX 2020, XX/XX/2020 as well as 90 days late in XX/XX/2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Reporting company used your report improperly

My Consent and Right to Privacy was affected!
Complaint sub-issue: Information belongs to someone else

There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because Equifax and XXXX has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX Loan - Bal : {$0.00} ( Equifax Only ) XXXX XXXX - {$1100.00} ( XXXX & Equifax )
Complaint sub-issue: Billing problem

I logged into MyAudi.com and provided the necessary information to connect with Audi Financial Services for online billing & payment services. I received an email confirmation that this process was successfully completed and my billing statement would now be only available online. However, when I log into MyAudi.com I continue to get a message that my account is not linked to Audi Financial Services ( AFS ). After several attempts, I realized that there's no online site for AFS, even tho I received multiple confirmation letters stating that my Audi account was successfully linked to AFS. When I call AFS, the rep acknowledged that the website " ... is not the best. '' Hearing this, I requested that my billing statements be returned to paper and mailed to me. The rep said he couldn't change the setting, so I requested a manager. The manager told me it would take XXXX days for their back office to make the change to paper billing. I now want to just pay off the car loan early and be done with Audi, but I can't seem to get a pay off statement from AFS. When I called AFS the automated system just gives pay off balance which is more than the amount owing on my last billing statement. I need an explanation why AFS is charging more to pay off the car loan than my last statement. Also want to know why a online billing system is advertised that doesn't exist.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Add-on products and services

Hello, We contacted Citicard after being loyal card holders for years -- we told them that after printing up our most recent statements, we realized we were being charged monthly for their Payment Safeguard program. The fees range from $ XXXX {$150.00} a month depending on the balance. We never signed up for this program and submitted a request for refund and cancellation. They only refunded us one month ( {$71.00} ) and that was it. We have read an article stating that many people have complained about this program and gotten their money back for many months of years of being charged without knowing or understanding the reason. We never signed up for this service. We'd like all our money back.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records containing convictions of crimes which antedates the report more than seven years.

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

During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.
Complaint sub-issue: Account status incorrect

I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX  that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this
Complaint sub-issue: Information belongs to someone else

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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: Old information reappears or never goes away

Equifax is violating the FCRA lawsas HiPAA laws by listing XXXX account # XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this account!
Complaint sub-issue: Their investigation did not fix an error on your report

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