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

XXXX XXXXXXXX XXXX SENT A LETTER TO ME AND EQUIFAX DEMANDIN G THEY REMOVE ALL XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX XXXX NO.XXXX & XXXX NO.XXXX
Complaint sub-issue: Don't want a card provided by your employer or the government

On XXXX, XXXX, XXXX  XXXX XXXX received in the mail a letter that USBank. The Letter enclosed with a card named reliacard on it. Suspicious of the card we did some research. The reason for our suspicion was that there was never a bank account opened at USBank by XXXX XXXX. When doing research for the reliacard as well it explained online that the card wad for those that submitted for unemployment benefits.  XXXX XXXX also did not apply for any such benefits as he is XXXX  XXXX. We figured this was fraud and this video on XXXX from a news report in XXXX for XXXX is just like ours. XXXX  : XXXX In the article and video the lady who is a victim explains very much of what is going on with XXXX XXXX , in that this card has come out of no where, and that XXXX lives in a state ( California ) that does not even provide those benefits. We want to make sure this does not effect XXXX XXXX credit and other statuses with the IRS as we believe someone has taken their identification. We need help as soon as possible dealing with this matter. We already headed to USBank in person but they explained they are only the bank part of this, the government is who issues the card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX XXXX  lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX - two of which are Equifax XXXX. 
Equifax has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2021 RE : You violated the XXXX XXXX Code Law THIS IS XXXX XXXX. THE REAL XXXX XXXX. I included my XXXX XXXX card because nobody would have access to that but me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY HELPING ME PREPARE THIS DISPUTE LETTER SO PLEASE DON'T EVEN TRY IT. i contacted the FTC about some fraudulent accounts and inquiries that I did not authorize. I attached a copy of the ftc report # XXXX to this letter so you kknow it's real. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt and not a day later. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them FAST!! 
aka fastly. 15 USC 1681n defines XXXX liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter. AND ALSO This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THis DEBT OR INQUIRIES listed. Please remove all fraudulent accounts as I have no know of any of these accounts due to that big ole Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around i beg of you. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please update and/or delete all accounts listed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Debt was result of identity theft

I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!
Complaint sub-issue: Deposits and withdrawals

I opened this account about 2 months ago, been using it regularly. I made a deposit into my account and they put a hold on my account with an identity issue?? Ive been in 3 different times to submit a copy of my drivers license and social. They still not allowing me to access my account or close my account??? Im very flustered at this point because I cant pay my bills and that is not a good thing with me!!! Im beyond XXXX with PNC Bank!!!!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I filed a dispute and sent a letter regarding inaccurate and incomplete items on my credit report. It has been well over 30 days and I have not received a response yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your 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. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.
Complaint sub-issue: Account status incorrect

Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved by me
Complaint sub-issue: Received bad information about my loan

I got a student loan from Sallie Mae. I went to school and graduated XX/XX/2014. I moved to Texas and was unable to find a job outside the service industry. Waiting tables was not easy nor did it provide a huge income. My student loan payback was asking more that {$400.00} a month to repay. When I called to ask if there was something I could do about repayment plans they said I had to pay that amount. I talked to my grandma who luckily was able to help me with payments. I called again and asked again to speak with someone in lowering my payments. They told me I had to let my loan go into default ( make no payment for 2 months ) to be eligible for a repayment decrease. I did what they told me because they said it would no affect my credit and when I did that I called again and said it would affect my credit. Although my payments decreased they said it would extend my loan for so many years. I felt like I had no other option but to do that not knowing I would nearly three time in interest. For the life of my loan. I felt cheated and lied to the whole time I was communicating with these people. Anyone going to college I always tell them not to get loans through sallie Mae.
Complaint sub-issue: Information belongs to someone else

I noticed that Jefferson systems reported on my credit report that I opened a XXXX account in XXXX. No such action was taken on my part Had XXXX XXXX  as my only XXXX since XXXX. I did the ftc fraud report and disputed it through XXXX. I sent over my report and all the necessary info. XXXX said they found it to be factual. But I havent even step foot into a XXXX store in over XXXX years
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Having problems with customer service

I have challenges with receiving a response or appropriate action from FedLoan Servicing every time I submit a request. I submitted my XXXX XXXX XXXX XXXX application three separate times. Only once did I receive a denial and guidance on what I need to change. I called yesterday for my application submitted on XXXX. The staff stated my application was denied again because my employer did not initial the box. The staff reported they called my employer and did not receive a response. However, there are no directions which state the box needs to be initialed. XXXX at my employer reported that she did not receive a call and is great at responding to all requests she receives. FedLoan Servicing did not inform me of any of this. I do not understand how to have FedLoan Servicing process my application and give me credit towards the forgiveness program. I have been working on this for over six months. I need to apply to have my employer cover my loans and I am nervous I will lose that benefit if my servicer can not provide the appropriate documentation as it took over two months for them to respond to my request and several calls.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

This attorney representing XXXX XXXX sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX  XXXX, XXXX  inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX  XXXX  . My current and only address is XXXX   XXXX  XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}
Complaint sub-issue: Account information incorrect

I held a cre dit card with Discover which went into default. Discover wen t to court and filed to garnish my wages and won. I contacted  Discover, which s hows them as the holder on my credit report, and attempted to pay the debt off all at once in its entirety. I was informed that the law firm   XXXX   XXXX   XXXX   XXXX   held the debt,  Discover  transferred me to them but no answer. I attempted to call the law firm directly and still no answer. I called  Discover  again and informed them that nobody answered and I wanted to pay off the entire debt. The  Discover o perator told me she would call them and at that point hand me over in person. After  12 minu tes The operator came back on the phone and informed me she was unable to make contact at this time. I hung up and attempted contact with the law firm a  3rd time with  no answer. I then proceeded to the court house, in  XXXX   county, to get a  copy of the court order to look for additional contact information on the law firm. Th e 2 numbers on the court order are the same as the 2 I have already. Both numbers connect with  the same automated service. I then tracked down the original attorney and contacted him directly and I was sent to voice mail. I then called and received a call back from  XXXX   XXXX   XXXX . I asked them what my next step should be and the recommended calling the Attorney  Generals Office Consum er Affairs. I called the Attorney  Generals Office and they recommend I dispute the claim on my credit report - which would show me the actual holder of the debt. T his all happened on   XXXX   XXXX   XXXX    . I 'm still standing here wanting to pay my debt and nobody is able to help me.
Complaint sub-issue: Account terms

I have been trying to get Equifax to do their job and update this incorrect information on my credit report. Equifax continues to update my credit report to show that I owe {$410.00} to XXXX for XXXX. I do not owe this money ; I paid this account over a year ago and provided Equifax with a copy of the cleared check, which was deposited by XXXX in XX/XX/2016. Equifax 's inability to do their job has cost me the opportunity to purchase my first home. Please help me hold them accountable for doing their job and removing this inaccurate information from my file immediately. I have attached copies of the check which was credited to XXXX ' account.
Complaint sub-issue: Information belongs to someone else

I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report
Complaint sub-issue: Investigation took too long

Equifax failed to Block fraudulent information on my consumer credit report that is being reported as a result of identity theft. Per XXXX XXXX XXXX ( a ) I have mailed Equifax a dispute on XXXX XXXX, 2016 about fraudulent accounts being reported on my consumer report attached with my dispute i attached my police report and FTC fraud affidavit and Equifax did not comply with XXXX ( a ) despite telephone calls and electronic communications about the fraudulent accounts being reported.
Complaint sub-issue: Reporting company used your report improperly

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : Preferred Lease Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

Amerifinancial Solutions I have a a unverified account from your office. I had previously disputed this account. I have never done business with Amerifinancial Solutions. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that Amerifinancial Solutions Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. )  Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Amerifinancial Solutions Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account information incorrect

I have sent requests to Equifax certified mail requesting method of verification on this inaccurate verified account..I also challenged the account under metro 2 laws ... They have not provided me with documentation showing how they verified this account.. I would like to challenge the status, high balance, past due amount.
They are suppose to verify physically the validity of alleged data, any calculations, dates, each notation, balances, and records of accounts even the 426 CHRC P6 statement, personal identifiers, and source codes audits, receipts, accounting records, metro 2 codes.