Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

For more than two years, I have submitted documentation several times to Exuifax with information that substantially proves XXXX XXXX XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX  XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Complaint sub-issue: Information belongs to someone else

I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
I see an accounts that does not belong to me.
Complaint sub-issue: Account status incorrect

I disputed inaccurate information being reported on my credit reports with XXXX  XXXX XXXX, and equifax. I sent them various letters instructing them to remove all incorrect names, addresses, and phone numbers and they have yet to do so. Another I disputed as well is incorrect information on all of the accounts reporting such as the date last active and date last reported not matching up, also I sent letters to verify accounts which they have yet to do. Some of the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also inquiries on my report that are non account holding I disputed that I did not put on there my self
Complaint sub-issue: Called after sent written cease of comm

The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : D & A Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXXToll Free : XXXXXXXXFax : XXXXXXXXE-mail : XXXXXXXXCollections : XXXXXXXXSales Contact : XXXXXXXXSales Email : XXXXXXXXComplaint Resolution : XXXXXXXXXXXX XXXX, TXToll Free : XXXXXXXXEmail : XXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes D & A Services to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to D & A Services. Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that has been rendered to D & A Services because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to XXXX-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am receiving calls from Total Visa at XXXX XXXX XXXX weekends nights holidays even on a Saturday night demanding money but my bank refused to pay them last XXXX. He never made a demand for money but just calls. I do not know what he is talking about. 
He says Total Visa told him to call me at XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, New York XXXX but I am on XXXX which is exempt from lawsuit and garnishment but he says that is only the law and he does not have to obey it. 

He issued nothing in writing just threatening abusive phone calls.
Complaint sub-issue: Reporting company used your report improperly

My credit was ran today XX/XX/2020 without my consent, when I called the company they would not tell me who ran it or why. Companies name is : XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.
Complaint sub-issue: Funds not received from closed account

We opened a business account with US Bank around XX/XX/XXXX and have been using it for about a year and a half However, we found out that all deposits and withdrawals from the account were disabled from XX/XX/XXXX to XX/XX/XXXX. 
We have called US Bank and visited the branch. They had informed us that our account was at risk and would be closed. They also said they would send us a check of about {$73000.00} in account balance in XXXX weeks. 
XX/XX/XXXX US BANK informed us that they would send the check in XXXX weeks again. 
Around XX/XX/XXXX we asked to change the address where we would receive our checks. 
They promised to send it to our new address within 10 days. 
It is now XX/XX/XXXX and we have not yet received funds.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Problem with customer service

On XX/XX/2019 @XXXX MDT - I called FedLoan Servicing at XXXX.I called FedLoan Servicing to enroll in the PSLF and FedLoan Servicing Agent stated I did not qualify because my loan type is not a Direct Loan.I qualified for PSLF under the following conditions:- I made 124 payments. - I have worked for Public Service for 16 years.- I qualify under the College Cost Reduction Act
Complaint sub-issue: Non-sufficient funds and associated fees

A Couple of my Checks Bounced and I didn't have the funds to cover the overdraft fees until the XXXX of XXXX. My Checking Account was Overdrawn since around the XXXX. of XX/XX/2020 until the XXXX. of XX/XX/2020. I Contacted the Branch Manger and informed them of my Finical problem, I was able to make a deposit of {$260.00} around the middle of the Month. 

I made a XXXX on XX/XX/2020 that covered all outstanding Checks and the Overdraft Bank Fees and still keep me in the positive. I tried to go shopping at 2 different stores but each time my check was declined by the checkout machines. 

I attempted to contact my Bank, but they said they have nothing to do with this and can not help me with this.
Complaint sub-issue: Account status incorrect

I have recently found myself in an unwarranted financial crisis with a company named FLURISH INC DBA LENDUP. On or about XX/XX/XXXX, I obtained a loan through this company to rebuild my credit. Shortly thereafter ( XX/XX/XXXX ), I changed banks and multiple attempts to contact LENDUP to update my account to reflect my new account changes went unanswered. Between the months of XX/XX/XXXX and XX/XX/XXXX, countless attempts to contact LENDUP were made. Additionally, LENDUP has not reached out to me neither. 
As of XX/XX/XXXX. 2 + years later, any and all attempts by me to make contact to pay this debt has failed. Every month, Lendup relentlessly updates my credit report with 120-149 Days Late, which has destroyed my credit score. 
My most recent and probably my last attempt to reach out to LENDUP was yesterday XX/XX/XXXX. Four different approaches were used to contact them ; 1 ). email ( XXXX ; XXXX ), 2 ). Online submit @ https : //www.lendup.com/contact ), 3 ). Cellphone, and 4 ). Attempted to create a new account to gain access to their system, however the system states the SSN submitted is already in use, prompting me to log in using a different account. Each time I send an email, I receive a system generated email response that states, Thank you for contacting us! We're currently experiencing higher than normal response times via email. Please note if you are not logged into your account, response will be delayed further. 
I have exhausted all efforts to contact this company. It is in my professional opinion that FLURISH DBA LENDUP is in violation of the Fair Credit Reporting Act. Furthermore, I feel FLURISH DBA LENDUP is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. The company has not given me the opportunity to repay this loan as I promised, to build credit and provide access to cheaper loans, as it claimed. My family and I are struggling tremendously with higher interest rates and I am unable to obtain a loan for a house or vehicle.
Complaint sub-issue: Information belongs to someone else

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Complaint sub-issue: Investigation took more than 30 days

I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been paying LGM Financial since XX/XX/2021 I have made 26 payments of XXXX Dollars to their company which I was told would be reported to my credit... Which they also told me they were reporting these payments at the end of each month to the XXXX I contacted XXXX serval times to defuse the issue but they do not see LGM Financial report as they claim they made to them so each of my 26 never late payments has not been applied to my credit report
Complaint sub-issue: Problem with statement of dispute

In order to even dispute an issue with Equifax they require : a valid drivers license, a XXXX or social security card, and a current utility bill with a current address all within 24 hours. All of this information must be sent to Equifax within 24 hours of the dispute via fax or mail with the XXXX digit confirmation code. This requirement creates an unjust and unfair business to the consumer and only makes it more difficult to file a dispute for incorrect information. Having already validated all of my information and provided my social security number and personal information, this is only to prevent consumers from filing disputes. Some consumers might not have access to their XXXX 's or social security cards ( I do not have mine ) within the 24 hour time period. This is a situation that needs to be looked into.
Complaint sub-issue: Can't temporarily postpone payments

I was sent a forebarance notice that I could add to my student loans. The company is saying I am ineligble, yet the paper THEY SENT ME says I am eligible. I am mad that I was sent XXXX copies and they wo n't admit they are wrong.
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 under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S, C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX has a debt listed my credit reports ( XXXX-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX Phone Number XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a National Recovery Agency listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

On XX/XX/22 I checked my credit score and I found out account was listed. Upgrade INC - loan type line of credit opened XX/XX/22. Balance {$16000.00}. I didnt open any accounts with Upgrade. Identify theft. I called to report the fraud and spoke with XXXX on XX/XX/22 at XXXX to report fraud and that I did not open any account. I wanted to speak to someone in company who handles this. I not received any calls or emails back from Upgrade. I did find out the corporate office address Upgrade INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. The second address found on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX AZ. I also filed a FTC report and made a police report on XX/XX/22. Somebody stole half of what I make in a year online. My credit and family now cant get proper housing due to identify theft. The company again has not taken any steps to correct what has happened. I was referred to make a complaint today by the FTC. I want my credit back and thieves caught.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I have previously informed XXXX that I have never done business with them. XXXX XXXX  removed the account from my credit file and now XXXX XXXX has sold an account in my name to JEFFERSON CAPITAL SYSTEMS. The XXXX XXXX account was opened as a result of this identity theft. I am attaching letters from other companies regarding my identity theft issues.
Complaint sub-issue: Information belongs to someone else

I have submitted paperwork to Equifax and they have not removed these two collection accounts that are not mine or provided any additional information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account 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: Account information incorrect

On XX/XX/2020 I received a settlement offer from XXXX XXXX/XXXX  for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of XXXX credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 XXXX reported the account as an open charge off with a balance of XXXX.
Complaint sub-issue: Information belongs to someone else

The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 XXXX XXXX accessed my credit report with an unauthorized inquiry. This is a result of identity theft. Currently an extended fraud alert is on my credit report as a result of misuse of my personal information recently. Federal Trade Commission Identity theft report is on file. Would like to dispute this inquiry and have it removed as a result of identity theft.