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

A walk through was completed when I moved out of my apartment with the staff present. No damages were mentioned or recorded. XXXX XXXX XXXX nor XXXX XXXX XXXX not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting. The apartment complex was also provided my forwarding address. XXXX XXXX XXXX did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. I can not dispute or pay an alleged debt I dont know about! An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. 


XXXX XXXX XXXX sent the credit bureau an itemized list that was typed up on a word document!!!! It was not in the leasing companys letterhead. Nor was it dated. Nor was it signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit bureaus to VERIFY this debt? I cant even view or dispute my credit report without proof of identification. But a NO NAMED PERSON can VERIFY *MY* DEBT? The evidence submitted I believe was fraudulent! I have attempted disputing this debt with the CREDIT BUREAU online and via mail. I have even followed up directly with the creditor. No one will VERIFY this debt or tell me the method of verification! 

I am requesting the following evidence as a method of verification or this debt deleted immediately : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances listed MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists the alleged damages that MATCHES the typed sheet of paper itemized list. 
Notice of any alleged debt from XXXX XXXX XXXX to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.
Complaint sub-issue: Account status

I was attempting to move into an assisted living property because, I am a XXXX. I contacted the the phone company so that the phone service would be working by the time I moved. Unfortunately, after a few months of renovating so that my XXXX would fit the landlord decided to rent to someone with the family who was able to pay a higher rental payment per month. I let the phone company know in time before had to vacate the premises and payed the last month of service after canceling. It was simply an accident that I ended up finding out after all this time I was charged an extra month. I 'm being charged for service I never received. I would appreciate your assistance in any way possible with this matter. Thank you and XXXX bless you, XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC   - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked you guys to look into this issues on my reports and nothing is happening. Please review the documents below
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Information belongs to someone else

I recently started looking at my credit and notice multiple account showing on my credit report that I have never opened nor provided my authorization for these accounts to be opened
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX   attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/   XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018 I ordered online a mattress from XXXX but decided not to buy the mattress and cancelled the purchase on the same day. I received the cancellation notice and that was the end of the transaction. I never received the credit but a charge for same amount appeared on my bill. No credit was issued from XXXX and then subsequently told by Discover that the mattress was delivered. I never signed or received any mattress or communicated with XXXX for delivery. It appears there was FRAUD. 
The address was different and I never engaged with anything from XXXX after the XX/XX/XXXX. The information sent to me by Discover makes no sense and they continued along the same line and declined the credit. This is FRAUD since I never engaged with anything beyond XX/XX/XXXX. I need this resolved by Discover. There information they are sending me does not belong to me. IT MAKES NO SENSE> Please resolve
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Complaint sub-issue: Debt is not yours

Capital One Auto on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide me with my name and signature on that loan and car title then please remove it off my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Following Inquiries are Unauthorized. 
The Bureau was notified _XXXX XXXXXXXX XXXX XXXX XXXX _XXXX XXXX XXXX XXXX XXXX I did not give permission for the Inquiries to be reported on my profile Please Remove Immediately for this is a violation of FCRA policies Thank you
Complaint sub-issue: Old information reappears or never goes away

Equifax has not released my inquiry after it has been proven FRAUD. 

XXXX ( 2 ) inquires XX/XX/XXXX XX/XX/XXXX I have sent police report, FTC report and I have reached out to the company XXXX who have verified these ( 2 ) inquires are fraudulent. 

I have reached out to equifax to rectify this problem ( 6 ) different occasions. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax needs to block and delete these ( 2 ) fraudulent inquires ASAP! By law this is illegal and my next step is to take all parties in involved to small claims court. 

You have 30 days from today to rectify this issue, meaning delete both fraudulent inquires from credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX and EQUIFAX continue to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. XXXX and EQUIFAX continue to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are discriminating against me. XXXX and EQUIFAX are communicating my nonpublic personal information without my permission. XXXX and EQUIFAX never gave me the opportunity to opt out of certain information being communicated. I sent XXXX and EQUIFAX a letter requesting changes be made to my report. I called XXXX and EQUIFAX after i received the certified mail return receipt for an update and i was told that the prohibited information will still be communicated. I sent XXXX and EQUIFAX a another letter on XX/XX/2002. 
SEE ATTACHED
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

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

The number for our Billing Disputes team is ( XXXX ) XXXX ( TTY/TDD : XXXX ) This department is available Monday-Friday XXXX EST and Saturday-Sunday XXXX EST. 

XX/XX/XXXX purchase made from vendor XXXX XXXX XXXX XXXX XXXX for {$500.00} XX/XX/XXXX dispute filed with Citibank for purchase because I was unable to contact the furniture company and had not received my furniture yet ; XX/XX/XXXX dispute cancelled because my order was pending to arrive. 
XX/XX/XXXX citibank closed dispute and returned funds to the vendor ; citibank is saying the funds were received on XX/XX/XXXX. 
XX/XX/XXXX I was supposed to get my furniture delivered but the vendor could only see the chargeback ; they could not see funds returned. I called citibank who confirmed that the funds were resent back on XX/XX/XXXX but said that the receiving back rejected the funds and they would manually resend ; could take 7-10 days. provided by citibank ARN # : spoke with citibank billing disputes ph : XXXX XX/XX/XXXX e-mailed valyou furniture ( XXXX - XXXX for update ; XXXX XXXX indicated their merchant services case was still pending XX/XX/XXXX received letter from citibank confirming that the funds were sent back to the vendor on XX/XX/XXXX ; forwarded to the vendor XX/XX/XXXX e-mailed valyou furniture for update ; XX/XX/XXXX valyou furniture indicated that their merchant services said chargebacks could take 60-90 days regardless if there is documentation from the credit card company ; suggested I continue with charge back to get my money back and then charge again for the furniture I ordered. 
XX/XX/XXXX spoke with citibank customer service and billing disputes who kept repeating that the issue is on the receiving side, but they could not call the receiving merchant services to confirm payment was received and i could not file another charge back since you are only given one " shot '' even though the intial chargeback was cancelled, and if i wanted to get my money back, I'd need to go to small claims court with the merchant to get my money back. 

Requested to escalate to a supervisor ; billing disputes person indicated that no supervisor is available and someone would call me back in 24 hours. 

In the meantime, citibank took my money back in XXXX which I paid off ; the vendor does not have their funds, and I do not have my furniture. Citibank will not resolve the issue with the receiving merchant ; started saying visa has different policies on how funds are returned ; myself and the vendor are stuck in the middle. 

I don't want to have to pay again for furniture I already paid for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 b- permissible purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX Equifax reports XXXX This is in Violation, needs to be removed asap
Complaint sub-issue: Problem accessing account

U.S Bank has decided to close my account because they were trying to protect my account from fraud because of the activity on my account, however they locked me out of my account and I had about {$2700.00} in my checking account. I have tried to call them numerous times and all they do is transfer me to the fraud department just to get the run out and get transferred back to customer service. They informed me they would be closing my account about 3 or 4 different times now and here I am waiting for the closure to take place so that I can have the funds released to me via check because they will not give me access to my account whatsoever.
Complaint sub-issue: Problem with customer service

On XX/XX/2022, I was denied XXXX XXXX XXXX XXXX ( XXXX ) & Temporary Expanded XXXX ( XXXX ) that I should have been approved for based on the new XXXX program requirements. I need your help with getting this matter resolved. 

I have {$18000.00} in public student loan debt that should have been forgiven based on the new XXXX program requirements. After taking all of the appropriate actions and submitting all of the required documentation, I received an email from FedLoan Servicing stating that I have only made XXXX qualifying payment. This is not correct. Under the new requirements, including that periods of repayment under any plan count and periods of repayment on loans before consolidation count, even if on the wrong repayment plan ; all of my payments should count, and all of my student loan debt should have been forgiven. https : //studentaid.gov/announcements-events/pslf-limited-waiver I have an amazing payment history and never defaulted on my loans. I have also made more than the required XXXX qualifying payments and taken all of the required actions including : ( XXXX ) completing the Direct Loan consolidation by transferring my student loans from XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX, ( XXXX ) submitting the XXXX application, and ( XXXX ) my employer verification forms documenting my XXXX years as a full-time federal government employee. I also noticed that XXXX of my employment verifications forms ( showing XXXX years of full-time federal employment at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX is missing from my account. I have attached supporting documentation for your review, including my student loan payment history and full-time federal employment for the past XXXX years. 

Since receiving the denial email on XX/XX/2022, I have contacted FedLoan Servicing several times but was put on hold for hours and unable to get through to a representative to obtain guidance on how to fix this problem. I understand that the representatives may be busy ; however, there should be a way for me and other people seeking help to get a timely access and a response. Consolidating my loans into the XXXX XXXX program was seamless; but getting my XXXX benefits has been very stressful. As a veteran and military family member, Ive experienced stressful situations and have compassion for people on the other end trying to help. I cant image what others are going through who have less experience dealing with these issues and are in financial duress.