Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I've disputed incorrect address to XXXX XXXX in XX/XX/2018, as well as to Equifax on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, Il XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022 I sent them a FTC report also corrected the company the debt is with. the Debt does not belong to me.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -CH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/2019
Complaint sub-issue: Debt is not yours

On XX/XX/2021, I received a payment request for a debt attached to my SSN/credit report being reported by XXXX for a debt of {$180.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to True Accord Corporation. I did not authorize the sell of this account to True Accord Corporation, I have not done any business at the address listed with this account nor do I owe True Accord Corporation. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from True Accord Corporation.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Complaint sub-issue: Their investigation did not fix an error on your report

I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, Equifax and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to Equifax, XXXX  and XXXX regarding XXXX. This time around, I received an email from Equifax stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. Equifax deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Complaint sub-issue: Their investigation did not fix an error on your report

This uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax Credit Bureau XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Problem accessing account

As of XXXX XXXX. XXXX, have not been able to login to my Coinbase account and the company is not responding to my requests for assistance. I did receive the reply below back on XX/XX/XXXX, but noting other than an automated response since. I find this greatly disturbing for a financial services provider. 

I have approx. {$2500.00} in there and currently am in dire need of it. 



Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Coinbase Support [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : [ Reply ] Case # XXXX - AUTHENTICATOR XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There's an inquiry in my credit report XXXX that wasn't authorized.
Complaint sub-issue: Account status incorrect

Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to Equifax, XXXX  and XXXX a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process.

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX and the equivalent with Equifax and XX/XX/XXXXwith the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with Equifax, only a choice of a few fixed statements was available with XX/XX/XXXX and I have found no option with XX/XX/XXXXthrough their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.
Complaint sub-issue: Reporting company used your report improperly

This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE.

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I received a letter from CitiBank XXXX XXXX XXXX rewards card stating that they were decreasing my credit limit from {$25000.00} to {$11000.00}. When calling to ask why, they basically said because they can. I schedule automatic payments through my bank, so they wo n't be late and stay consistent - often paying more than the minimum payment. I discovered when speaking with them, that I made a larger purchase and my scheduled payment of {$230.00} was not enough to cover my {$230.00} minimum payment - resulting in a late fee. I spoke to a supervisor and upon doing a review of my payment history, she realized that I had not had a late payment in 25 years ( surprised me too ). She reluctantly reversed the fee. I then tried to reinstate my credit limit as it significantly reduced my credit score. They asked for an update income as it had not been updated for 25 years and at that time I was a college student making nothing. I updated income to {$180000.00} and customer service representative verbally approved my reinstatement of credit limit, but told me it would need to go to the next level for final approval. I was told I would be notified via email, but instead I received a letter denying my request. The scary thing is that I quickly realized that any and every credit card company could to this at their will for about any reason. This would totally demolish any credit score. On top of all that, when I received my next statement, all reward points were gone - like I was n't even enrolled in the program. It 's obvious that the thousands of dollars they 've made from my interest was enough and did n't want my business anymore.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. 1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account information incorrect

This Creditor has my account listed as only 33 % paid and i have paid this balance in full. They have not updated my credit report to reflect this in over 30 days and it is hurting my profile significantly. Under the FCRA, it is legally required to have accurate information and this is preventing me from moving forward with my Home purchase because of the impact on my utilization. 

My name Is XXXX XXXX
Complaint sub-issue: Account information incorrect

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified with an original consumer contract or removed immediately. 

ATTORNEY GENERAL XXXX XXXX # XXXX ATTORNEY GENERAL XXXX XXXX # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

UPDATE TO CLAIM # XXXX EQUIFAX is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. EQUIFAX has caused me tremendous harm in the form of XXXX, anger, anxiety, lack of sleep and focus, lack of motivation in daily routines and severe stress. EQUIFAX is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice
Complaint sub-issue: Debt was paid

Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXXXXXX -XXXX  XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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.
Complaint sub-issue: Received bad information about your loan

I had consolidated my student loan back in XX/XX/XXXX, for XXXX and lost my in XX/XX/XXXX. My servicer was Nelnet I was only offered a forbearance which I did not know it racked up interest and fees and fell even more behind. My taxes were withheId numerous times from Dept of Education I filed for Bankruptcy in XX/XX/XXXX and XX/XX/XXXX trying to get caught up but never did. Fast forward to now My loan was transferred to XXXX. They tried to garnish my wages for an amount of XXXX. I have asked for a statement to see how payments, interest and fees were applied and only got partial years. I went to Dept of Education Ombudsman and was told that Nelnet refuses to let me have a statement of how my loan was processed, they say that they can not release confidential codes so I must trust that the number is correct or supply a statement myself to dispute the charges I cant believe that I do not have access to my payment records or how interest and fees were calculated and just flippently say it looks right to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX, and I'm including it again. 
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: Information belongs to someone else

There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Complaint sub-issue: Information belongs to someone else

cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them XXXX XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it, that did not belong to me. After reviewing with details I saw multiple addresses that were not mine, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, but after 7 months, I review my updated credit report and I noticed that, they changed the address but they did not remove the inaccurate addresses that it is reported under my XXXX and EQUIFAX report, so I am now taking extra step, because I really need these addresses off of my credit report.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX  dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on Equifax with the date of XX/XX/2011.
Complaint sub-issue: Account status incorrect

Flagship has not resolved my concern. Flagship is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that Flagship provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX XXXX  XXXX This is an alleged debt that I am not claiming.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Card opened as result of identity theft or fraud

I am a victim of identity theft and didn't open this account. 
I am a victim of the XXXX data breach my social security and state id has been compromised and used fraudulently without my permission or consent. I am not responsible for this account or any charges made to it. I demand this trademark be updated and removed from my credit file immediately.