Johnade/consumer_complaints_cfpb huggingface dataset:
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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX and XX/XX/ 2019 I faxed Sagestream , LLC to dispute 3 hard credit, inquiries on my credit report that had not legitimate purpose using the online prepared form provided on the company website. Attached to the facsimile were prior correspondence to the 3 companies to wit the disputes arise as well as personal identity verification documents listed on the company website including a copy of my driver 's license, social security card and bank statement. I have included both facsimile with confirmation receipt to this complaint. 

Subsequently I have received two letter 's from Sagestream , LLC dated XXXX XXXX & XXXX XXXX, 2019. The XX/XX/XXXX letter incorrectly states that I did not provide any verification documents and the XXXX XXXX letter is some nonsensical form letter about Sagestream not selling information, which has nothing to do with the disputes filed.

I have tried to call Sagestream on 10 different occasions never once being able to speak to a representative and instead getting transferred to a voice mail system that is either full or disconnects. 

At this point Sagestream , LLC has negligently handled my identity verification documents I attached in both my facsimiles to the company and has delayed any investigation into the credit inquiries on my file.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. KINDLY UPDATE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. Thank you. 
XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Late Opened XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120000.00} // Late Opened
Complaint sub-issue: Didn't receive notice of right to dispute

After viewing a copy of my report, I noticed a collection account placed on my credit report from Allied nterstate LLC on XX/XX/2019 in the amount {$450.00}. First and foremost, I have confirmed that the debt collector, Allied Interstate LLC is not license in the state of Louisiana to collect on this debt. Secondly, Allied Interstate LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Allied Interstate LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Allied Interstate LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$450.00}
Complaint sub-issue: Fee problem

I have three accounts with PNC and on XX/XX/18 I return from XXXX. We had money in our main joint account when checked on mobile banking app. At no point did it say I was overdrawn. If so we had additional money in another account. At about XXXX and email came to my inbox saying we was overdrawn my husband check account and we had already been charged XXXXfees for ATM FEES WHEN TRAVELING. We get the ATM fees back at end of month. Went in to downtown branch on XX/XX/18 and was told the same thing fees came from ATM charges and was told would be forwarded up to be reviewed. Was called back on XX/XX/18 and was told fees couldnt be refunded. We are never over on our account this is our second vacation and the first time the same thing happened and fees was refunded. We didnt get timeframe to transfer funds before charged. I dont feel like this is fair.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My minor son XXXX XXXX made a purchase on XXXX on XX/XX/XXXX in the amount of {$190.00} for some shoes XXXX ( tracking XXXX ) states were delivered on XX/XX/XXXX but they never was. I was home all day waiting for the delivery. Once the tracking showed it was delivered we contacted XXXX which you can only chat with them, after chatting with a agent the agent stop responding and ended the chat on us. At that point we contacted Money Network to inform them about what happened and placed a dispute. Which they sent out a form for my XXXX to sign and I also sent Money Network a copy of the chat. Well today XX/XX/XXXX I received a letter from MoneyNetwork stating my son claim was denied because XXXX sent them verification of delivery which is only the tracking number that I stated above. So im reaching out to you to help me get this resolved since Money Network isnt helping us.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Personal information incorrect

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX Please delete all other addresses, I can not receive mail or any correspondence they are non-mailable, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX 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: Trouble with how payments are being handled

I have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Complaint sub-issue: Information belongs to someone else

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED  XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX   XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, or do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Debt is not yours

This account is fraudulent and XXXX XXXX XXXX XXXX. I know they retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. They are still with this trickery and foolery. 

I need to know what could be done to this company criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. That account is fraudulent. This is unacceptable and unenforceable, and this is an unscrupulous attempt by this company against me. They are only worrying about saving their brand, and not helping the consumer. 

My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were hell-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. This company has a strong dislike toward Veterans, and Gold Star Family Members. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this Gold Star Family member. Please? 

I am filing this complaint because they made a threat against me. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX XXXX XXXX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report. 

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I can present my deed to my house. I have contacted Fair Debt Collection Attorney this morning and I am waiting for a return call. 
However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia. I am resolved to the fact that XXXX XXXX XXXX XXXXn is a XXXX   and a gutless wonder! Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? 

XXXX XXXX I need your help to put an end to this harassment. They are too stubborn, and they are too crooked to satisfy consumers. They are too concerned about their brand at the expense of Veterans. This company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers,
Complaint sub-issue: Didn't receive enough information to verify debt

I received a first notice of debt from XXXX or XXXX  XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I  owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.
Complaint sub-issue: Personal information incorrect

Simply can not get XXXX to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!
Complaint sub-issue: Their investigation did not fix an error on your report

Also attached this as pdf for better readability : Item No. 1. UNFAIR : Credit account mentioned above in reference is closed. 

Detail : Your Company has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. 

XX/XX/XXXX During my call to your support center, your representative told me that your account is good standing and keep using it. 

XX/XX/XXXX I tried to use my discover card and for the small transaction of XXXX dollar and it was declined. I did not understand the reason. This very day, I called your support center to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. 
This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. 

XX/XX/XXXX I received statement I have credit balance of {$17.00}. 

XX/XX/XXXX I was notified by the bureau of significant decrease in my credit score Item No. 2. UNFAIR : Hard Inquiry by your representative on XX/XX/XXXX, further dropped my credit. This action was NOT required. As the situation is UNFAIRLY handled by your company and I was misled. 
Item No. 3. INACCURATE : Credit report has comment on closure of Discover credit Account closed at consumer 's request I have never called in and did not act to close this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act 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 has violated my rights.

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

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I explained about hardship and loss of income. They not willing to help or reduce rates. They said even if Ill make any payment they will report to credit Bureau.
Complaint sub-issue: Debt is not mine

My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I mailed Equifax a letter in regards to inaccurate information being reported on my credit report. Equifax responded that they verified my name even after I sent all requested documents including my drivers license and my social security card. My name is NOT the name they have verified for me! At this time I am enacting my consumer rights to have only current true accurate and physically proven Metro 2 compliant information reporting! I do not authorize EQUIFAX to retain and or report inaccurate information in which they are! 

I am demanding correction to the inaccurate misinformation of my name being reported and payment of {$1000.00} for the violation of reporting INACCURATE INFORMATION IMMEDIATELY!
Complaint sub-issue: Problem with personal statement of dispute

I paid off a consent agreement to a company called XXXX. I paid off a XXXX balance in two years once I paid this account off it took me two months to get the account removed. Once the account was removed my credit SCORE dropped XXXX points!!!! ic There is no logic in that. 

This was done by Equifax.
Complaint sub-issue: Investigation took more than 30 days

I filed a HIPPA violation complaint with XXXX XXXX  for. 
XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a HIPPA privacy violation as I have not authorized the release. Please see original complaint to XXXX against XXXX and Equifax. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?
Complaint sub-issue: Public record information inaccurate

I noticed that Equifax hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report