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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Unable to open an account

In an attempt to take advantage of a savings account offer by another bank, I found I was unable to link to my PNC account.
Complaint sub-issue: Was not notified of investigation status or results

Contacted the bureaus and creditors about my accounts being reported on my credit file that breaks numerous amount of laws within the FRCA & Truth Lending Act.. I have sent out mail numerous amount of times from the year of XX/XX/XXXX til now XX/XX/XXXX and I have not gotten a clear detailed documented reason for why the information is still reporting and how could these companies go against there reporting rules. I am seeking litigation and ask that this information and case be reported to Federal Trade Commission & attorney general. I ask that these accounts listed be throughly investigated and deleted from my file immediately!

Reason For : Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, XXXX, & Equifax have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent Equifax XXXX & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : 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 Equifax XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen XXXX XXXX and reported to authorities, 7 year freeze placed. 
XXXX XXXX reported XXXX inquiries to Equifax, all fraudulent. All other creditors corrected/updated information with XXXX credit bureaus but NOT XXXX. 

I disputed with Equifax and XXXX reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by Equifax to contact the creditor in order to dispute the unauthorized access. First, called XXXX XXXX XXXX XXXX, referred me to ( XXXX XXXX XXXX, customer service stated XXXX XXXX was a credit card company and to contact XXXX XXXX XXXX XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.
Complaint sub-issue: Threatened or suggested your credit would be damaged

AFNI is refreshing an old debt, every time I dispute and it is removed from credit report. They will reappear on my credit report with a new date opened date on my reports. They will remove and delete and then keep reappearing with a new closed date. This account has been paid in full to XXXX 5 years ago.
Complaint sub-issue: Information belongs to someone else

I checked my credit score and found 5 hard inquiries (from XX/XX/XXXX to XX/XX/XXXX) from Credco (below) on my Credit Report.  I never authorized this company to check my credit.  I refinanced my two houses with XXXX which could account for the 1 hard inquiry on XX/XX/XXXX with XXXX. Inquiry detailsCredcoInquiry from XX/XX/XXXXXXXX CredcoInquiry from XX/XX/XXXXMisc.CredcoInquiry from XX/XX/XXXXMisc.Institution InformationCredcoXXXX XXXX, CAXXXX(XXXX) XXXX-XXXXCredcoInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXReal Estate/Public Accommodations
Complaint sub-issue: Account status incorrect

I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquires and a XXXX XXXX account that I did not authorize or give consent that is being furnished on all credit reporting agency reports.
Complaint sub-issue: Account information incorrect

Im writing to request assistance with a late payment reported by my Macys Store American Express credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the Macys Store American Express credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted Macys credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loan have been reported on my Equifax, XXXX, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.
Complaint sub-issue: Attempted to collect wrong amount

There is a collections account that originated from XXXX XXXX XXXX  The account was closed and sent for collections at the end of XXXX. The debt has been sold to a different debt collection agency by the name of I C System XXXX. XXXX XXXX XXXX XXXX, MN XXXX. They have started the collections date over as of XX/XX/XXXX for the amount of {$300.00}. I am under the impression that debt collectors can not restart the time clock on debts in collection and I would like this illegal action to be reviewed and taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.
Complaint sub-issue: Attempted to collect wrong amount

Enhanced recovery company try to collect a debt from I sent them two certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Enhanced Recovery Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I have not got a response back they sent me a bill from XXXX in the mail.
Complaint sub-issue: Account status incorrect

Nelnet, Dept of Ed/Nelnet,    XXXX   XXXX   XXXX   XXXX  ,  and   XXXX   XXXX   XXXX   have been on my report original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since   XXXX  . They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since   XXXX   and they put letters in later that are not clear that do not make sense since I did not pay anything   XXXX   until recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  Nelnet  and  XXXX  by  XXXX   XXXX    XXXX   in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  Nelnet  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached   XXXX    XXXX   XXXX  paid off all loans in excellent condition  ) ( See   XXXX   XXXX   Nelnet  letter states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )
Complaint sub-issue: Trouble with how payments are being handled

My federal student loan servicer is FedLoan Servicing and I have been working toward Public Student Loan Forgiveness. FedLoan is missing three of my qualifying payments in their records and I requested a review in XXXX XXXX in order to locate the payments and have them added to the list of my qualifying payments for PSLF. This review has not yet been completed. I called FedLoan again on XXXX XXXX, XXXX ( 14 months later ) and FedLoan can't take a second request for a review of my account until the first review is complete. FedLoan could not provide an estimate for how much longer the review will take.
Complaint sub-issue: Non-sufficient funds and associated fees

I had an account with Comerica Bank, but I stop putting in deposits because I am unable to use online banking because they've restricted my access. They XXXX 'd out my account with fees and charged me with insufficient account fees. They put my account in collections and is now reported as a collections on my accounts.
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 my family and I hired and paid for attorney services to be provided to another family member currently incarcerated. Upon hiring this attorney it was discussed with this attorney Why and what we needed her for. She took my family members case with the agreement that she would provide the service we needed her for. Instead of her doing what we hired her for she did something totally opposite of what we hired her for. Since she did things her own way instead of what we paid her for I disputed the {$250.00} transaction with my credit card provider. The merchant we paid was also sent an email stating very clearly what we expected and hired her for. My credit card provider denied my funds to be REFUNDED back to me due to the fact they said the merchant clarified I received service from them. It didn't matter if the merchant didn't do what we hired her for is what my card provider told me over the phone. The services we received weren't what we paid her to do therefore the merchant being paid for what she didn't do should not be paid to the merchant. My card provider did Nothing to fix this issue and I wasted 30 days just to receive info they wouldn't refund my money. The dispute dept was also sent documentation showing I contacted the merchant and it stated she didn't do what we hired her for therefore all of my money needs to be refunded.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. 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 anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}
Complaint sub-issue: Information belongs to someone else

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account   Original Creditor XXXX Company Sold-to - Original Amount {$440.00} Comments
Complaint sub-issue: Was not notified of investigation status or results

I do not understand why I have to keep submitting the affidavit and disputes to Equifax in one year. The first time was XX/XX/XXXX the second XX/XX/XXXX and the third was XX/XX/XXXX. We are now at the of XX/XX/XXXX and Equifax has still not DONE ANYTHING!!!!!!. XXXX  has already fix the issues why hasn't Equifax makes no sense. 
They are keeping me from opening an account with XXXX  XXXX XXXX because they have yet to conclude my fraud case. I have sent in the affidavit several times, so why is this taking over a year to complete? 
These are not my collections on my report and I have sent in proof they are not. If this is not taking care of I SUE!!!!! .. There is no excuse for this and why it hasn't been taking care of.. 

FIX IT NOW!!!!!!!!!
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Complaint sub-issue: Didn't receive notice of right to dispute

I moved out of an apartment complex call XXXX  at XXXX XXXX on XX/XX/2021 and requested an itemized bill. I also provided my forwarding address and the manager replied they would send me an itemized bill when it was ready, but they sent my account straight to collections without sending me any notification via mail, Email, phone, nothing. I also had a coapplicant And they did not contact him either with the itemized bill or past due balance or anything. The only reason I saw it was because It appeared on my credit. I sent them all my emails requesting bill information and they never responded they ignored me and sent my account to collections.