Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-XXXX ACCOUNT {$1300.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called Equifax, XXXX, and XXXX several times disputing hard inquiries on my report that I have not authorize. Especially Equifax after the breech, since it states that I could be effected by the breech. They state '' that I need to contact the credit companies to have them removed from my credit report ''. I have called the credit companies that pulled my credit and they state " that the three credit bureau has to do the removing ''. So I have called them back and stayed on the phones for hours for the three bureau 's to tell me it 's nothing they can do. These inquiries are on my report without my knowledge and I want removed for its hindering my credit score from working on purchasing my house next year.
Complaint sub-issue: Problem accessing account

I 'm only aware that my TCF Bank account is " Closed '' because I stumbled across it online and pursued further explanation. <P/>I spoke to customer service and confirmed my savings balance. I was also told that my account was " Closed '' at this time because without a transaction in 12 months, an account with TCF is " dormant ''  and a transaction can not be completed online. Further, I was told that an account is deemed un-owned and the funds seized to the state at 24 months without a transaction. <P/>This account was sold to me as ideal for my goal : saving for emergencies, along with earning monthly interest. Thus, the goal = no transactions. <P/>So in addition to this not being disclosed upon opening the account nor outlined in policies, I have received not one notification about my account 's " Closed '' status - and the potential risk. I receive monthly hard-copy statements at my home address.
Complaint sub-issue: Information is incorrect

A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.
Complaint sub-issue: Overdrafts and overdraft fees

I was in the hospital for an extend amount of time. before my stay in the hospital I made sure that my account was active and that no charges would go though on the account. When i was gone various charges where made by one merchant, XXXX which bypassed my instructions to not give me any overdraft protection and deny and charges when funds are not in the account. XXXX transaction are not covered because it was a ACH transaction and the protection that was given was only for credit card charges and this was not explained to me. Now I have over {$200.00} in fee 's on my account.
Complaint sub-issue: Their investigation did not fix an error on your report

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX XXXX : {$500.00}
Complaint sub-issue: Didn't receive notice of right to dispute

I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.
Complaint sub-issue: Personal information incorrect

XXXX XXXX NOT MY NAME REMOVE IT XXXX XXXX XXXX XXXX XXXX TX XXXX IS MY SISTER ADDRESS FCRA VIOLATIONS
Complaint sub-issue: Investigation took more than 30 days

Equifax, a credit reporting and monitoring company who is responsible for handling my personally identifiable information ( PII ), mishandled my PII which allowed for the information to potentially be compromised. They believe the my PII was compromised. The discovery of this issue happened inXX/XX/XXXX, however the estimated 143 million people that were impacted or may have been impacted were not informed. By their own admission, they will not be informing everyone. 

They provide the option, along with the other credit reporting companies, to freeze your credit to protect against others fraudulently using my PII to obtain financial services in my name. Unfortunately, they charge for this service absent of a police report or file through the Federal Trade Commission ( FTC ).  It is completely unacceptable that consumers will have to pay Equifax, the company who mishandled their PII, to freeze their PII so that hackers who obtained their PII due to Equifax 's mishandling of their PII can not use that PII that they would n't have had if Equifax had not mishandled that same PII. This needs to be a free service, or suits need to happen to refund everyone who paid for this service ( including interest ) afterXX/XX/XXXX. Filing a report and going through official channels takes time, and in the time it will take to go through these steps to obtain a free credit freeze, damage may already have been done which will affect future transactions and add to the cost of those for any impacted consumer. 

Their entire business model is holding consumers accountable for their financial decisions. Equifax should be held accountable for their security decisions.
Complaint sub-issue: Frequent or repeated calls

on XX/XX/2021, Jefferson Capital Systems LLC called me from a spoofed telephone number. They called from XXXX. They have called repeated times from an XXXX area code but their offices are in XXXX XXXX, MN. I previously told them not to call me again when they called from an 800 number and I've sent them a verification letter which also stated for them not to contact me. I have several blocked calls from them because them using the XXXX area code. I have not lived in this area for nearly 5 years.
Complaint sub-issue: Account information incorrect

XXXX is currently reporting my wrong monthly payment amounts and its effecting my credit.
Complaint sub-issue: Account status incorrect

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and have filed FTC report in reference to the incident. I was told by credit reporting agencies to file the report and items contained in the report would be blocked/deleted. However, the items contained in this complaint are still listed on my credit file. I have attached a copy of items to be blocked in this complaint. I am reaching out to the CFPB to assist me in resolving this incident.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.
Complaint sub-issue: Trouble with how payments are being handled

I have applied for Public Service Loan Forgiveness ( PSLF ) Program. I have been making payments since XX/XX/2015 with the understanding that I was making qualifying payments towards the 120 payments needed to forgive the loan. According to my account with the XXXX XXXX XXXX I have only made 7 qualifying payments. I believe this to be false. I have been paying my loan regularly and on time and feel I should be credited with at least 34 qualifying payments. The XXXX XXXX XXXX does not make it clear how many qualifying payments I have made. I have followed the protocol for re-certifying employment and an income driven repayment plan.
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX I reached out to Equifax about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in undergraduate loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about seven years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 {$500.00} was taken from my account @ XXXX XXXX On XX/XX/2022 @ XXXX XXXX {$500.00} from an atm but was declined On XX/XX/2022 {$500.00} was taken from my account @ XXXX Total of {$1000.00} has been taken out of my account I filed with cash app a dispute over and over and I have called them over and over I got an email that told me that my claim on the deputed claims have been denied I emailed them back asking why they told me because I have used my card at the location in the past I went back online in a live chat over and over I have called over and over I am told that they will reopen my claim and they will get back to me by email only I have asked to speak to a manager I am told that they dont take phone calls I have asked to talk to someone that is in charge of the claims I am told no they only email no phone calls I am told that someone will get in touch with me by email and its the same thing over and over I asked if they could tell me what atm it was that was used they told me it is a XXXX atm and the best thing I can do is call XXXX  and see if they can refund my money so I did that XXXX didnt have a clue what I was talking about and said they have nothing to do with a refund it would be the bank my card is from I went back to Cash app live chat and it was the same thing over and over I am told by the person in the chat and or on the phone that they have sent my claim to the manager and it will be taken care of and as of Today XXXX NOTHING HAS BEEN DONE TO HELP ME I asked if they can please pull film of who made the transactions they told me no Cash app told me no thats not there job to prove it wasnt me that made the transactions I asked them how or why the 2nd transaction was declined but not the 3 rd one they can tell me nothing it is to the point that when I go on live chat and ask why nothing has been done to help me get my money back I get a message in the chat telling me they have no updates on my claims Something is very wrong with them people they dont care that I wasnt the one that made the transactions they dont care if I get my money back its not them so they dont care I have been hung up by the XXXX over and over and told they cant help me cause the claim has been denied if you need dates that I have called them and or have been in live chats PLEASE HELP ME GET MY MONEY BACK FROM THEM ITS BEEN MONTHS AND MONTHS They tell me it takes 10 days but could be as long as 90 days I just want my money back from them ( CASH APP
Complaint sub-issue: Information belongs to someone else

According to the FCRA and the FDCPA by law, Equifax, XXXX  and XXXX  are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on Equifax and XXXX  are two different amounts. 

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE
Complaint sub-issue: Information is not mine

Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent repeated request to Equifax to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires. 

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I sent a letter to Equifax about an XXXX XXXX credit card on my credit report reporting with late payments. I asked Equifax in this letter to re-investigate these late payments as those are errors. 

I have included the letter I sent them on XX/XX/XXXX. Equifax responded on XX/XX/XXXX updating personal information only. I never asked them to update them personal information and instead asked them to investigate why there were late payments on this XXXX XXXX account.
Complaint sub-issue: Report improperly shared by CRC

I submitted detailed information asking the company to delete a credit inquiry from XXXX done on XX/XX/2015 and they sent a packet requesting more information.