Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX {$290.00} XXXX  XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}
Complaint sub-issue: Overdrafts and overdraft fees

I was issued a check from a class action lawsuit that was sent, and cashed by my son XXXX XXXX XXXX. The check was from my bank account, he's never had one. Can you cancel the check and reissue it to me?
Complaint sub-issue: Information belongs to someone else

I am a Victim of Identity Theft. I recently received my credit report and learned that my personal information was used to open up an account at a XXXX this false information is damaging my credit report. I did not open or authorize this account and I therefore request that XXXX absolve me of all charges on the account and you take all appropriate steps to remove this information from my credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is with fed loan servicing Servicing company for Department of Education  As  of    XXXX    2015    Fed loan servicing has me marked 120 days late in my credit report.   I have proved to them with my p aper work three times that I was never late or missed payments, and three times I got back ( my claim is  denied ) How can I go about this?
Complaint sub-issue: Information belongs to someone else

The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX
Complaint sub-issue: Frequent or repeated calls

I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.
Complaint sub-issue: Information belongs to someone else

I have some unknown addresses and accounts that are on my credit report. I have never done business with BCG EQUITIES LLC/ XXXX XXXX XXXX XXXX XXXX XXXX . I was told to file a report with the FTC and XXXX police for this fraudulent account.
Complaint sub-issue: Their investigation did not fix an error on your report

Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, once I pulled my credit report from credit engine XXXX, I discovered an unknown account on my credit report. 
Going over I found out that the auto loan with XXXX XXXX   reporting on it was not mine. On XX/XX/XXXX, I filed an Identity Theft Police Report, On XX/XX/XXXX, I started my journey of disputing inaccurate information on my credit report. The time went by and I got removed the account on XXXX and XXXX. Unfortunately, I am still dealing with Equifax, they have been refuse to remove the same account that has been already removed with the other two credit bureaus. I recently, on XX/XX/XXXX filed an amendment to the previous Police Report with the specific auto loan on it. By the way, there is actually a law firm name XXXX XXXX XXXX XXXX bringing a judgment on me regarding the above mentioned account. On XX/XX/XXXX, I filed a complaint thru FTC website that I mailed on XX/XX/XXXX and delivered to Equifax on XX/XX/XXXX. 
I am now using my very last source to contact the CFPB for help, that account is affecting me very bad.
Complaint sub-issue: Account status incorrect

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX DE XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX not mine PUBLIC FILINGS XXXX DIST CT XXXX not mine
Complaint sub-issue: Problem lowering your monthly payments

XX/XX/XXXX Disbursement {$16000.00} - Consolidation of loans to lower my payment amount ( previously under AES with the IBR plan ) XX/XX/XXXX Re-certify IBR documentation and put on forbearance for 3 months XX/XX/XXXX Receive bill for XXXX ( past due ) XX/XX/XXXX Spent several days trying to solve this issue with them over the phone. Then the next even happened and everything seemed to be in motion to lower my payment amount which was quoted to be around {$45.00}. XX/XX/XXXX Payment of {$85.00} ( original amount under XXXX ) to get current. XX/XX/XXXX Payment of {$5.00} forbearance fee which was explained to me over my phone call in XX/XX/XXXX. XX/XX/XXXX Current Payment Due : {$140.00} on XX/XX/XXXX when quoted over the phone of a payment around {$45.00} with IBR ( I believe it was the REPAY plan specially ) The entire reason I signed up for consolidation was to be able to afford my student loan payments. Under XXXX my payment amount has doubled from the previous servicer, my IBR seems to not have taken effect and now my current FedLoan bill is MORE than the original FedLoan bill.
Complaint sub-issue: Deposits and withdrawals

I transferred money from XXXX Bank to creditkarma.com {$2000.00} it never made it to the account and was marked NSF this was not true at the time of the transfer nor is it true now. According to XXXX XXXX a bank to bank transfer is like a Cashiers Check coming back NSF it can not happen. 

Furthermore, my atm card is not working and there is no valid reason for this.
Complaint sub-issue: Frequent or repeated calls

In XX/XX/XXXX I purchased an XXXX laptop from XXXX XXXX XXXX XXXX. The payment is due on the XXXX of each month for {$60.00}. The account has never been 30 days past due. I usually pay the bill around the XXXX of each month. 15 days past the due date. Starting on the day after the due date or the XXXX of each month they start calling, Today the XX/XX/XXXX they called my cell phone thirteen times. This is normal for Conns if its a day past due. I used my cell for work and can not be getting constant collection calls. It will be paid at the same time each month.
Complaint sub-issue: Delay in processing application

Received a prescreened offer for a credit card from Citi Simplicity Mastercard, I pay all of my cards sometimes most of the time over my required payment due. I was sent an application in which I called several numbers XXXX, then I was given another number, then XXXX, basically took about 7 minutes before I finally got through to someone. One time was asked to call back because their system was down. To be told that I would receive an answer in the mail. The date I called on was Friday XX/XX/19 at XXXX. I finished talking with someone by XXXX or around that time. The invitation number was XXXX.
Complaint sub-issue: Account status incorrect

All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft  payment but leaves a non-payment charge on my account untill the account is closed.
Complaint sub-issue: Problem getting your free annual credit report

Equifax I answered one or more question wrong no report Some questions I did not know the answers..So no report I called later they asked for 3 types of idenity .Must be lost in mail still no report .why are they keeping my files that's the instructions to do by mail with my id 's and SS number and a billing statement.
Complaint sub-issue: Account information incorrect

I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!
Complaint sub-issue: Investigation took more than 30 days

sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the three bureaus XXXX XXXX, and equifax and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

XXXXValidate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

Tried to find out the negative point on my credit score since Equifax was much lower than the other two scores. They were VERY UNHELPFUL, the employee was XXXX, employee ID XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem

XXXX Credit Card has been charging me interest on a purchase made in XX/XX/2018 but has never sent me a physical statement nor given me access to my online statement since they enrolled me in paperless billing. When I've tried to enroll online, to view my account, it does not allow me to do so. The reason given to me by the tech support group ( spoke to them on XX/XX/2018 starting at XXXX XXXX ) is because my account is a " classic account '' which was linked to an " XXXX XXXX account '' which was closed by me but they converted it to my current account so they cant link it!! That's absurd and, frankly, I have no idea what that means. But they have told me that it is impossible for me to access my account. Apparently, I've been paying the minimum amount every month since I have this account set up with my bank account with automatic payments. I've tried to reach a manager but each time they place me on hold for around 1/2 hour and then automatically disconnect the call. Now that I was made aware of the balance I've paid the bill in full ( as I do with every single one of my bills as my credit report will reflect ) but I think their actions amount to a violation of my consumer rights to be able to access the information pertaining to what I'm being charged for. If I'm enrolled in paperless billing, I should be able to access the information online - this is the most ridiculous situation I've ever encountered. I had no idea I had a balance - I'm sure it's something I'm responsible for however I have no way of verifying the information. And hanging up on me, not once but twice, is a disgraceful way of handling the situation. I'd like a response from their management as to how they intend to rectify the situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to Equifax, XXXX, and XXXX to dispute inaccurate items from my report. I also submitted a FTC report because on both accounts that are reporting there is fraud due to the Equifax Breach.
Complaint sub-issue: Delay in processing application

On XX/XX/2019 I applied online for the CitiBusiness Aadvantage Platinum Select Card and was not immediately approved/denied. On XX/XX/2019 I called their decision line XXXX XXXX XXXX and was told my application was pending until I provided additional information to verify my business and my business address. I told the representative that I was just starting my business and I would not have the information they were requesting from me. I told the representative that I was a long time Citi customer and did not understand why I was being asked for additional information especially when no where on the online application I was informed that I would need to provide any other information. I also asked if I could be considered for the consumer version of the Aadvantage Platinum Select card instead without having to run my credit again. The representative advised that was not an option and I would need to apply for that card and my credit would be run again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right . 
15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..
Complaint sub-issue: Old information reappears or never goes away

Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

XXXX / XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act. The list of accounts below has violated my greatly protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 t
hen 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: Debt was paid

A company named Enhanced Recovery Corp has file a collection notice on my report. I have attempted to speak to one of their employees but they do not respond. I have not received any notification from these folks. The debt they say I owe is {$84.00}. I do not know what that is about. Enhanced Recovery Corp. XXXX XXXX XXXX XXXX, Florida XXXX
Complaint sub-issue: Was not notified of investigation status or results

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021, with follow ups disputes on XX/XX/2021, XX/XX/2021, XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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.XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2017 Balance : {$10000.00}
Complaint sub-issue: Was not notified of investigation status or results

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Complaint sub-issue: Personal information

Addresses reported were said to have been removed, still one showing.