Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF ED/XXXX  Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Complaint sub-issue: Their investigation did not fix an error on your report

I written a letter to XXXX and Equifax disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. XXXX and Equifax violated the FCRA. I contacted the United States Bankruptcy Court of Northern District of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what XXXX wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : Northern Dist - Eastern Div XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , IL XXXX Type of Record : Bankruptcy Reference Number : XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on XXXX, 3 inquiries on Equifax and 4 on XXXX. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from Equifax on XXXX with my full Equifax report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form XXXX  and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from XXXX. 

On XXXX I checked my credit report and saw Equifax removed 16 of the 19 fraudulent accounts, XXXX  removed 12 of the 25 fraudulent accounts, and XXXX  only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my XXXX and XXXX. Equifax removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX   Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have not authorized these hard inqury and when i contact Equifax they will not help me at all.
Complaint sub-issue: Reporting company used your report improperly

I wrote equifax months ago about XXXX XXXXXXXX XXXX account they removed it from the credit report then added it back. The company didnt supply me with a reply within the 30 days required and now is reporting the information again. The investigation seemed to not be up to par with fcra requirements and they failed to respond with ANY reason over the phone.
Complaint sub-issue: Debt was result of identity theft

I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit report.
Complaint sub-issue: Account information incorrect

My student loans were in forbearance and the creditor reported that I was late during the time for two consecutive months for XX/XX/2019 and XX/XX/2019. I spoke with someone that stated they will take care of the issue and reverse it but never did.
Complaint sub-issue: Received bad information about your loan

I have been meticulously following the rules for public service loan forgiveness ( PSLF ) for the past 12 years. I made sure I was in the right type of loan, the right type of payment plan. I had a total of XXXX total direct loan sequences, XXXX with the same loan counts, and XXXX other consolidation loans with the same loan counts. I was told repeatedly by FedLoans servicing that there was no point in consolidating my loans because they were all Direct loans and that consolidation would reset my payment counts. In XX/XX/2021, sequences XXXX and XXXX were forgiven and for that I am extremely grateful. In XX/XX/2021, the waiver was announced and I learned that if I had been able to consolidate my loans under the waiver, all of my loans could have gotten the higher payment count and be forgiven. It just feels like the rules keep changing and that at every step of the way, I have been given bad information by my loan servicers.
Complaint sub-issue: Debt is not yours

Last XXXX  I noticed several weekly payments coming out of my account from Tempoe , LLC. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from XXXX XXXX XXXX in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?
Complaint sub-issue: Overdrafts and overdraft fees

I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.
Complaint sub-issue: Didn't receive enough information to verify debt

Listing on XXXX..CBM COLLECTIONS | XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX PH XXXX XXXX XXXX Address identification number XXXX Account number XXXX  Recent balance {$16.00} as of XX/XX/XXXX Status Collection account. {$16.00} past due as of XX/XX/XXXX.
Date opened XX/XX/XXXX Details Account paid in full I contacted them recently after finding out I owed them, paid the initial off of 16, they informed me I had another pending amount, I paid that after talking with them and them informing me they would remove this listing.
Additional information paid in full in two payments, XX/XX/XXXX XXXX CBM SERVICES INC XXXX MI {$16.00}XX/XX/XXXX XXXX  CBM SERVICES INC XXXX MI {$80.00}
Complaint sub-issue: Information belongs to someone else

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account
Complaint sub-issue: Account status incorrect

Company shows account open with balance after declaring it in XXXX XXXX and uncollectible ..discharge was XX/XX/2022 2022
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

I'm being contacted by email repeatedly by a company called True Accord. I've made it clear they have the wrong person and they will not stop emailing me after I've asked via email and unsubscribed from communication. 


The information is below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Complaint sub-issue: Not given enough info to verify debt

I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account opened as a result of fraud

My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XXXX/XXXX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Complaint sub-issue: Information belongs to someone else

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I was charged {$470.00} for student loan payment. Per the COVID-19 emergency relief period I'm eligible for a refund for payments made after XX/XX/2020. I've contacted FedLoan Servicing and they said they made a request for a refund, but it could take up to two months. I followed up after two months when I haven't received the refund, but I can't get FedLoan Servicing to respond.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$28000.00} US DEPT ED XXXX Balance : {$48000.00} DP OF EDUC XXXX Balance : {$28000.00} DP OF EDUC XXXX Balance : {$48000.00}
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )
Complaint sub-issue: Information belongs to someone else

Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do
Complaint sub-issue: Public record information inaccurate

THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.
Complaint sub-issue: Was not notified of investigation status or results

I have not received any confirmation on how you have verified the alleged hard inquiries attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) ******
Complaint sub-issue: Was not notified of investigation status or results

I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, my wife and I filed for bankruptcy ChXXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Problem with customer service

In XX/XX/2017 we filed our original lBR. In XX/XX/XXXX our income changed dramatically due to job loss. On XX/XX/XXXX we filed for a 30 forebearnce and re filed all paperwork to reflect this with A.E.S. On XX/XX/XXXX we were notified by mail that we did not submit all the paperwork to reflect my wifes income. We called them and the customer service agent told us that they were missing half of the paperwork that we faxed in. First, we mailed the paperwork. Second, they claimed to have pages 1,3,5 and 7. So pages 2,4 and 6 were on the back of these pages. We were also told that we have to hand write statements to coincide with the job loss. We were not told this before. We were not required to do this with our other 2 loan servicers. It also states in the IBR from the student loan website that you are NOT required to submit any additional paperwork stating this. It states this twice. We then FAXED and MAILED the paperwork again, within 24 hours. We requested another temporary forebearance to allow for this to be entered. We were denied. We were assured by the customer service agent and the manager on duty that this would not be necessary and they would fix the issue. On XX/XX/XXXX we received an email stating that we were 5 days behind on payments and now facing the possibility of default. We have not even been told what our new payment is or if we qualified for a lower payment due to the new IBR paperwork. It also threatens to report to the credit bureau. This company is constantly finding ways to threaten us with this and they are never timely on their end, or they misplace paperwork that is given to them. We also have loan amounts that are 3X the original amounts due to them constantly changing the interest rates.