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

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

All student loans where payed off because of disability. Income was not able to pay off. Approved for government payoff over 5 yrs ago. XXXX still shows balance and delinquency on credit report.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute by mail in regards to incorrect items on my credit report. It has been well over 30 days ( XX/XX/2020 ), and I have yet to get a response.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously?
Complaint sub-issue: Their investigation did not fix an error on your report

In reference to CFPB complaint XXXX XXXX and the letter Lexis/Nexis sent to file in response to the complaint, the investigation by Lexis/Nexis into auto claims information associated with my name was closed by confirming with XXXX that all disputed auto claims were associated with me. This is not true. Lexis/Nexis never asked XXXX if my name could be associated to the claims. I know this because XXXX told me this. The claims person at XXXX helping me today was speaking to the claims person who responded to the Lexis/Nexis re-investigation. All Lexis/Nexis asked XXXX for was a confirmation that the claims in the XXXX  database were real. I have never been insured by XXXX. I sold the vehicle involved in XXXX. The claims are from XXXX to XXXX. So this means that XXXX contains erroneous information about vehicle ownership, maybe for 15 years. It also means that I am most likely paying increased premiums for car, apartment, and auto insurance and have been for years. It also means that any background checks to support federal government clearances during the time, unknown, when this information first appeared in XXXX, has most likely resulted in adverse information reported on me when it comes to financial risk.
Complaint sub-issue: Debt is not yours

I tried to explain that this debt does not belong to me and I was not able to get any results
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Received an alert today from my credit reporting as to a mortgage hard inquiry. It was from a bank- XXXX XXXX XXXX  XXXX I did not apply for a mortgage or any loan or credit card. It is reported by Equifax
Complaint sub-issue: Information belongs to someone else

My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

This phone number XXXX from LJ Ross and Associates continue to call my cell phone and tell me that I owe medical debt in XXXX when I have never been to XXXX in my life. They will not stop calling me!! Its rather frustrating especially when I know I do not owe any hospital debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX and XX/XX/XXXX sent to Equifax regarding an inaccuracy in your credit reporting. I just received a letter from Equifax describing what inquiries are with no proof of my authorization of these inquiries, Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.  XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 3. XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX 4. XXXX- XX/XX/XXXX 5.  XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX/XXXX- XX/XX/XXXX 14. XXXX XXXX/XXXX- XX/XX/XXXX 15. XXXX XXXX XXXX XXXX- XX/XX/XXXX 16. XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX- XX/XX/XXXX 18. XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to Equifax, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXXXXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX XXXXXXXX is inaccurate and incomplete, and represents a very serious error in your reporting.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/2018 I submitted my IBR recertification. On XX/XX/2018 I received my results for my new IBR payments. I submitted a request to recalculate the amount shortly thereafter, requesting that the PAYE repayment plan be applied to my student loans. On XX/XX/2018, I was informed that four of my loans will have an IBR repayment amount of {$140.00}, while my remaining 18 loans were put on STANDARD repayment. I never requested my payments to be on standard repayment and I absolutely can not afford Standard repayment, as shown in my IBR applications. My upcoming bill for the month of XXXX is over {$4000.00} which would obliterate my ability to pay my bills and feed my children. 

This is the second time I've had the utilize the CFPB to get XXXX XXXX to do it's job and apply all of my loans to a consistent PAYE repayment plan. I shouldn't have to invest literally hours of my time fighting with XXXX, resubmitting documents, for them to do their jobs.
Complaint sub-issue: Having problems with customer service

I need specific information on how to get my loans discharged due to my XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX, Department of Edu XXXX XXXX XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX XXXX XXXX are both past 7 year reporting.
Complaint sub-issue: Problem with balance transfer

Attn : XXXX of the XXXX - Citicards I took advantage of a promotional offer from Citi to use a cash advance at a low introductory rate, which included a balance transfer fee. Prior to that, I hardly carried any balances on my card or any other credit cards. I received offers for a balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX XXXX Department XXXX # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to notice that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money..
Complaint sub-issue: Was not notified of investigation status or results

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received byXX/XX/XXXX XX/XX/XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.
Complaint sub-issue: Other problem getting your report or credit score

In XXXX, XXXX I purchased a truck from XXXX XXXX in XXXX, West Virginia. They informed me at that time that they could not pull my report from Equifax. That it was blank and that I needed to contact them. I did contact them and they said nothing was wrong with it. I believed it was fixed until I went to apply for a loan with XXXX XXXX XXXX on XX/XX/XXXX. They informed me that they could not pull my credit at that time that it was blank. Since that day, I have called them almost every day trying to fix this problem. XXXX XXXX contacted Equifax Business department. Equifax told them that it was something wrong and that I needed to contact them. I did this. They said nothing was wrong. I was given other numbers to contact. I have called them all. They asked that I fax my drivers license, social security card and w2 to the dispute department. I did this. They tell me that they received it and that it was fixed. I call back to XXXXXXXX XXXX and it still isn't fixed. I called again today and they say wait 30 days from Equifax and they would investigate it. Now my wife has had 6 hard pulls on her credit because we keep trying because they tell us that it is fixed. I have nothing else to do but to contact you and then an attorney. I have been patient but this is 6 months and was told finished and nothing has been completed. I need assistance.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Well i workeon the road as a XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for many years and my X girlfriend XXXX XXXX was playing with Police Officers behind my back for years and apparently taking credit and getting loans in my name using my information stooe my email etc... When i started finding out the officers XXXX me into XXXX XXXX like 4 times then had XXXX XXXX my X of 17years lived and had kids together start fights and then call when they were on duty she would say that i hit her and then they would lock me up and then live in my house while on duty and im in jail and stole money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did this and now that im rebuilding my life and finally a free man i see all this negative XXXX  on my credit report and im hatd working and responsible. Please help me fix my Credit History and get me in good standing. Please im XXXX XXXX XXXX XXXX. XXXX  XXXX.
Complaint sub-issue: Account status

There is something from XXXX on my credit report and I know nothing about any outstanding bill from XXXX.
Complaint sub-issue: Reporting company used your report improperly

i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

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: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Us Bank, XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Dont properly investigate claims, Deny Claims before asking for any documentation regarding the claims to be provided to assist in the process.

Do not accommodate any requests forms of assistance regardless of the circumstances and the requirements for the delivery of the services at no additional cost to them but still no provision of ADA / Disability Disorders and Needs for Alternates in Communication/ And all other forms involved in doing Business with them are not being provided and /or addressed to, most are Disregarded and /or provided a proper form of attention to, lack ce in the responses given compared to what is required to exist in order to be denied access, Equal, Fair, Non discriminations in the process and delivery of services provided to the public allows for equally access and Opportunities to use and benefit f
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.
Complaint sub-issue: Reporting company used your report improperly

VIEWING MY CONSUMER REPORT AND NOTICE INFORMATION LISTED THAT I NEVER GAVE WRITTEN AUTHORIZATION TO REPORT WITH IS A VIOLATION OF 604 ( a ) ( 2 ) THESE ACCOUNTS LISTED HAS SET MY LIFE BACK AS I HAVE NOT BEEN APPROVED FOR ANY BANK PRODUCT OR SERVICE.
Complaint sub-issue: Public record information inaccurate

Attention : XXXX XXXX SVP Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cC : XXXX XXXX Sr. Attorney GROUP General Counsel, XXXX XXXX XXXX XXXX , XXXX IL XXXX Cc : Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX I have filed three disputes and on XX/XX/2019 XXXX deleted it. I also contacted the the bankruptcy court listed as the furnisher of this infomation and the account and the clerk responded that it did not provide this information to XXXX  ( Letter attached ). 
XXXX have listed an inaccurate Chapter XXXX- Bankruptcy record on my file. On XX/XX/2019 I received notification via email and mail that this reporting was removed, REPORT # XXXX. Then on XX/XX/2019 - Report # XXXX & Reference # XXXX. I received notification that it was placed back on, and the Bankruptcy Chapter XXXX reporting item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from my file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Also, under the Fair Credit Reporting Act, the original furnisher under FCRA 623 ( a ) ( 8 ), must provide variable proof of evidence, provided to XXXX, conducted by a thorough investigation. If you have no proof, but state that the results of the  investigation show the negative information is accurate, then I will have XXXX  on an actionable, sue-able offense.

FCRA 611 ( a ) ( 6 ) and ( 7 ) requires XXXX  to provide me with a description of the procedure used in providing and obtaining this particular bankruptcy recorded, including if it was obtained from a third part information broker and sold to your firm. I legally have the right to see that the information that you are providing is metro-2 complaint and requires personal identifies. I have been advised by my consumer attorney, that XXXX IS REQUIRED by the National Consumer Assistance Plan provisions to ensure that each public record does not create a mixed file circumstance, which I believe has happened in my case.

FCRA Section 611 ( a ) ( 2 ) also requires XXXX to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy showing on my credit report that you maintain under my social security number. As well as Section 611 ( a ) ( 1 ) ( A ), requiring XXXX, by federal law to verify- through physical verification of the furnishers information you have listed on any filings on my credit report associated with every account.
Complaint sub-issue: Information belongs to someone else

I called XXXX XXXX XXXX  to try to fix the problem and they have looked into it and found out the location of where the account was open and that it wasn't my self that that open the account due to inaccuracies.I assumed it was cleared off my credit report obviously it has not been removed. The date i notice it appeared on my credit report was friday XX/XX/XXXX XXXX very next day which was saturday XX/XX/2019 i put fraud protection and freezing on the 3 credit bureau .
Complaint sub-issue: Can't get other flexible options for repaying your loan

Back in the late XXXX 's, I had to file for Chapter XXXX and Chapter XXXX bankruptcy. 
Relief from my student loan obligations was denied. I was later contacted by ECMC and told that I had 3 days to pay off my $ XXXX balance that was in default or the amount would double. I had no money at the time and no resources to pay off the balance. How can the law allow any entity to do this? If I just filed for bankruptcy, and couldn't afford a single payment, it is evident that I could not pay off a balance of $ XXXX in 3 days! I did some research and reached out to XXXX  XXXX. They had a program that would allow me to consolidate my student loans providing I was able to make 3 consecutive monthly payments first. I was able to pull the money together and XXXX XXXX consolidated my loans with ECMC. What I didn't know at the time is that ECMC had increased my $ XXXX balance to $ XXXX and THEN sold them to XXXX XXXX. I have since paid over $ 120K ( over $ 600/month for over 17 years ). I still have an outstanding balance of $ XXXX. That's over $ 260K for $ XXXX of student loans! I believe that I have more than met my commitment in repaying the $ XXXX and I'm requesting assistance going after ECMC for doubling my initial loan amount ... ..which would be paid off by now. I further believe that ECMC has been allowed to engage in a VERY predatory practice. I can provide documentation upon request. Thank You for your consideration.