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

This is XXXX XXXX and I am submitting this CFPB complaint frsutarted of the Credit Bureaus action of ignoring a consumer 's requests! This is just bothersome! It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and XXXX Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$270.00}
Complaint sub-issue: Debt is not yours

The collection ( UNIFI ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX  SC police department ; XXXX Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account. 
Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards.
Complaint sub-issue: Was not notified of investigation status or results

I have made several attempts to correct a problem that I am not getting help with. There is a Fraudelent address on my credit report and it needs to be investigated. I have spent about three years trying to get this resolved, with about four letters to Equifax resulting in Zero results and this is -UNFAIR-to have a company reporting false information. The Fraudelent address is ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX ARKANSAS XXXX- I have never lived in Arkansas . Then there is a second address that is not mine of ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX-I have never lived at this address.
Complaint sub-issue: Information belongs to someone else

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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: Other problem

Recently, I paid off my credit card balance with CitiCards. Today, I logged into their mobile application and could not see the statement generated for XXXX. CitiCards did not produce a statement for the period even though there was a starting balance and 3 payments made, totaling {$5500.00}. I used their online chat to report the issue and the representative ( XXXX ) advised to check their full website. I did this and the statement was not present. Then, he claimed that they do not generate statements when the ending balance is XXXX. He offered to physically mail one to me. 

I asked for escalation and he told me to call the call center. I did as instructed and was advised by XXXX that she reviewed with her leaders and they agreed that they do not need to provide statements when the ending balance is XXXX. 

I see this as a clear violation of Regulation Z Section 226.7. Please investigate and advise.
Complaint sub-issue: Debt is not yours

I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I mailed out letters for each dispute for many accounts on my report via regular standard mail. Upon checking my online portal about 10 days later, I noticed that there had never been an investigation reported and opened. SO, assuming there was a delay with the system being updated, I patiently waited another 5 days and to my shock, there was still no mention of an investigation and I had not received anything in the mail. But this comes as no shock I guess because this isn't the first time I have tried to resolve issues and went unheard before. Anyway, On XX/XX/2020 I decided to send a follow up letter certified USPS with tracking number XXXX XXXX XXXX XXXX XXXX, requesting the accounts that were inaccurate and unverified be removed. And instead of opening the investigation, on XX/XX/2020, Equifax sent a letter stating they could not locate my file, however they mispelled my last name which I believe was intentional because that is not what I sent in. Furthermore, even though my ID and W4 was included with each dispute. It seems this is always a stall tactic when they have lapsed the allowable time by law. I just don't understand why I am being denied my consumer rights per the law. 
The accounts included : XXXX XXXX XXXX {$5400.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$170.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX {$4000.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$4600.00} ; XXXX {$74.00} ; XXXX XXXX XXXX ; XXXX XXXX {$810.00} ; XXXX XXXX ; Federal Court # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

account showing as negative, account was paid in full never late asked for update no response to date
Complaint sub-issue: Their investigation did not fix an error on your report

I'VE CONTACTED EQUIFAX VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EQUIFAX PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I applied for the Student Loan Forgiveness program. I tried to upload information that would be lost or denied. I have several part time non profit jobs and that was a problem to the servicer.
Complaint sub-issue: Didn't receive enough information to verify debt

First attempt to collect a debt was in XX/XX/XXXX for a debt from XX/XX/XXXX. No collection attempt was made from the original company - first contact was thru the collection agency. They did not provide me with ANY proof of a bill for collections from the company. I requested certified mail and gave my address twice, no mail was sent to verify the charges. I contacted the original company directly and they could not verify the charges with a form or any proof of nonpayment from XXXX. I have not received any valid or certified form or statement of my debt - have only received calls asking for payment.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 I certified mailed EQUIFAX an ID theft report affidavit with all the accounts I disputed, 2 forms of ID, and an utility statement. On XX/XX/2021 EQUIFAX received everything. On XX/XX/2021 I received a letter from EQUIFAX saying, For EQUIFAX to block information under Section 605B FCRA, you need to provide proof of your identity. I provided that from the beginning and according to 605B ( a ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Its past 4 days and shouldve been off my consumer report. On XX/XX/2021 EQUIFAX removed 2 collections account, however, on XX/XX/2021 the same 2 collections account were back on my consumer report. All alleged accounts say medical, which is 603 ( i ) of the Fair Credit Reporting Act, and should not be on my consumer report. Thats a violation of 15 U.S. Code 1681a ( d ) ( 3 ) also 603 ( d ) ( 2 ) ( 3 ) of FCRA. I never gave EQUIFAX my written consent to furnish anything on my consumer report so thats another violation pursuant to 604 ( a ) ( 2 ) permissible purposes of consumer reports.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX will not return my phone call or give me the correct email to dispute this off my credit report properly. I am demanding this ( XXXX XXXX ) to be removed off my credit report or I will bring on a lawsuit starting next week. I never signed and agreement with XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is violation of my right per FCRA. This is affecting my life and needs be handled. POLICE REPORT ATTACHED BELOW
Complaint sub-issue: Didn't receive enough information to verify debt

My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have lived at this address since XX/XX/XXXX, and I have a copy of my lease agreement, which says the same. 
The Company is XXXX XXXX XXXX, the amount is {$1900.00}, the date is : XX/XX/XXXX. The current collector is : Procollect , Inc @ XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. The person I spoke to @ Procollect was uncooperative and hung up the phone as I was attempting to clear the matter. Since, I have returned their letters writing on the letters : that XXXX XXXX does not live at my address, and that I have lived at this address since XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.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 XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Can't temporarily delay making payments

Mohela offers a .25 % interest rate reduction if you schedule auto deductions. The problem is that they withdraw the monthly even if it is not due. By way of example, if your monthly payment is {$590.00} and due on XX/XX/XXXX, but if you make the payment in full on XX/XX/XXXX, Mohela will still automatically withdraw {$590.00} on XX/XX/XXXX despite the fact it is not currently due. This double dipping is unfair to student loan borrowers.
Complaint sub-issue: Problem with fees

Hello : I have applied for a Citi XXXX XXXX card online, after being lured in with an offer to receive 50,000-miles bonus, in XX/XX/2019. I was approved, however the miles bonus couldn't take place since I already had a rewards card with Citi in the past and 24 months have not passed since that card was closed. As a result, I have declined the card. 

I have never received a card in the mail nor did I activate it or use it. 

Today, XX/XX/XXXX, I have received a statement listing a fee of {$99.00}. I have attempted to contact Citi by phone or online right away, to no avail. I proceeded with closing the card using their automated service since I couldn't speak with a live body. The online chat service was unavailable. I couldn't even login to the account since I don't know the card number. Again, I never got the card, activated or used it. 

I have XXXX credit score and will be devastated if this company will ruin it with unethical practices. 
Please take action. 

Thank you. 
XXXX XXXX
Complaint sub-issue: Account status incorrect

I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my XXXX account and paid the hospital directly. I spoke to someone about the account with XXXX XXXX and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay XXXX XXXX XXXX .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report. 
3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611
Complaint sub-issue: Problem getting report or credit score

I have requested a hardcopy of my credit report both by phone and online, still have not received anything
Complaint sub-issue: Their investigation did not fix an error on your report

( A ) In general- if, after any reinvedtigstion under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvedtigstiob, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in question : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX XXXX and XXXX. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to equifax about XXXX XXXX account inaccurate. 
Once again equifax has failed to go through the proper investigation process. Which is against the fair credit protocol. Equifax needs to fix this error.