Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between thXXXX XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX and Equifax credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

Before entering the military, I, XXXX XXXX XXXX, attended XXXX XXXX XXXX in XXXX XXXX, Texas for 1-year. During that year I took out federal/student loan to pay for books and classes. After this school ended, prior to enlisting, me and my mother XXXX XXXX XXXX had called the company by the name of Great Lakes to set up a loan forgiveness program. We accomplished the plan of deferment of 1-year/ 12 months. After that period, we were to begin payments. After the year passed, no notifications were made of the amount that should be taken out. It wasn't until they threaten to garnish my wages and send the amounts into collection without my awareness. I wasn't able to contact the company via email without response. Neither could I call by cell phone because I have an overseas plan. After speaking with a legal representative, I was encouraged to send this email, and see how I could paid my debt.
Complaint sub-issue: Reporting company used your report improperly

Contacted, Equifax, XXXX, and XXXX about a HIPAA violation, neither initiated a dispute over the phone.
Complaint sub-issue: Was not notified of investigation status or results

Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/2021 Equifax - 1st Letter XX/XX/2021 - 2nd Letter XX/XX/2021 - 3rd Letter XX/XX/2021 - 4th Letter XX/XX/2021 It is over XXXX i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Complaint sub-issue: Account terms

I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XXXX, 2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XXXX, 2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and Equifax!!!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

I used to live at XXXX XXXX  apartments. I had to leave because they refused to fix the poor water issues, the ants, mice problems, and AC/heater issues. I had always paid my rent on time. I had XXXX children living with me at the time and I had to leave every morning for about 7 weeks to get them showered and ready at a different home. I had complained several times and no one did anything. I ended up leaving on XX/XX/XXXX of 2018 and i went elsewhere, because i needed my home to be a safe place for my children. I knew about the breaking of the lease, and the cost of {$1800.00} dollars. I left and the credit collectors kept calling and calling. I did try and work out something with them and they wouldnt hear anything i had to say. I tried payments and even tried to settle, but they said they do not settle and i owe them. I do not feel like i need to pay for this especially when they didnt keep to their end of the lease. Now the cost is over {$2600.00} dollar and i refuse to pay them. Plus i am taking a hit on my credit and that makes me even more furious because now i am having a hard time renting. 
I feel like i was wronged and i do have others that were in the same boat, but they also left. The rodent issues were all over the place.
Complaint sub-issue: Reporting company used your report improperly

On I filed a complaint ( XX/XX/2022 ) against, EQUIFAX requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days. EQUIFAX has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .EQUIFAX has fail to provide me proof of verification. So, at this time, I ask that you step in and have them delete this fraudulent accounts. Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/XXXX-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/XXXX-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/XXXX simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/XXXX-XX/XX/XXXX and 9/18/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/XXXX and XX/XX/XXXX. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/XXXX-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, Equifax is refusing to comply. 

I have been disputing the debt with XXXX since last year and Equifax is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Complaint sub-issue: Debt was result of identity theft

XXXX was my provider about 4 years ago ; I ended my service & returned equipment to a local Authorized XXXX XXXX ; it was a 1st party XXXX XXXX A couple years later, I was trying to buy a house & discovered a {$950.00} bill sitting on my credit. 

I went directly to XXXXXXXX XXXX ; they checked last time I had service ; confirmed I ended & owed nothing at that visit Ive had only XXXX since and reported disputes with XXXX & 1 of the others. Still showing {$950.00}. The debt had been sold to a collection and I tried to obtain the address service was started ; no luck. Someone setup service in my name!
Complaint sub-issue: Old information reappears or never goes away

Equifax added inaccurate late payments to a nelnet account after they removed
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : WESTERN XXXX {$3900.00} XXXX {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Made a purchase using my Citi bank card on XX/XX/2022 in the amount of {$440.00}. The merchandise was never received. I submitted a dispute online on XX/XX/2022. Further submitted a dispute form requested by Citi bank on XX/XX/2022 that the merchandise was never received. 

Received a letter today ( XX/XX/2022 ) stating the dispute is unsuccessful and the charge and interest will be re-applied to my account. 

I am being billed for merchandise never received.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. XXXX )
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The account was open for a home address and was charged an additional charges by mistake of XXXX. This caused a high an inaccurate bill every month. There were attempt made in XXXX to get the account credited and corrected. I was told a supervisor was going to handle this account. Two months later in late XXXX of XXXX the account was charged off and reported to the credit agency 's. I have sense paid the balances on the account to XXXX XXXX for XXXX. The account was promised to be removed from the credit report completely as part of the agreement to pay. But as of XX/XX/XXXX The account still shows as delinquent collected. Please remove the account from my credit report. The reporting in incorrect, negative, false and inaccurate.
Complaint sub-issue: Need information about my balance/terms

The reason for this complaint is that i believe that the amount allocated to the principal vs. the interest on this XXXX college loan is incorrect, and that i was unable to obtain a comprehensive and reasonable response from the eight calls made to FedLoan. 
As support for my daughter to attend college ( XXXX XXXX XXXX University ) i obtained XXXX Direct Loans PLUS from XXXX to XXXX totaling {$54000.00}, these were Standard loans at a fixed 7.9 % interest. The loans were transferred to FedLoans in XXXX XXXX. I made all due payments, was never late, in the amount of {$34000.00} until XXXX XXXX, and still owed {$51000.00}. I finally took a loan with XXXX in XXXX XXXX and paid FedLoan in full ( {$51000.00} ). 
I placed 8 calls to FedLoan since XXXX XXXX disputing the balance and requesting a full audit. Instead I only received partial history. Nonetheless from the little information received, it showed very irregular and practically inexistant allocations ( only XXXX small amounts allocated in 24 months in XXXX report ) made to the principal, which seems to indicate that the accounting is incorrect. How can i make payments of nearly {$35000.00} in 8 years showing less than {$3000.00} being allocated to the principal? None of the original loan documents stated such allocation. 
I believe that their accounting is inaccurate and that more should have been allocated to the principal. Therefore I wish to place a formal complaint to request a full audit, in order to verify and validate that the FedLoan accounting is in compliance with the original loan terms, and/or in compliance with federal regulations. If, as i suspect, the allocation made to the principal was insufficient, i request that i be reimbursed accordingly.
Complaint sub-issue: Information belongs to someone else

XXXX refuses to remove a fraudulent transaction from my bureau reports. 

I have submitted a police report and FTC affidavit to them. I filed a complaint with the Consumer Affairs Bureau of California ( DCA ). 

To make this more egregious, the loan isn't even legal in California. They were sued by CFPB and in a XXXX XXXX ruling to be illegal. 

I have only been able to speak to one individual at this organization who harassed me about Police detectives. The XXXX XXXX, CA Police department has registered the complaint. I have no say in their putting a detective on a fraud case from 2013 for an illegal loan scheme. My bank refunded payments removed from my account. 

This company states the loan
Complaint sub-issue: Company closed your account

Citibanks discriminatory and retaliatory practices subjected me ( the consumer ) to a financial detriment that could've been prevented had procedures in place been adhered to. Without warrant they intentionally pursued the closure of the account because I asked to speak to someone in US after stating " I can't understand you. They left me on hold for 22 hours. I applied for the account, I was approved. Then I transfered funds to citibank. They waited on the wire and frozen almost instantly. They wouldn't give reason even though I verified every question they asked me. It is without question that the association of the request to speak to someone I'm the united states cause this. I waited weeks for that pay day. They knew that. Did not care. I was late on bills and they knew that, this caused me to get evicted, was already late and waited on this paycheck. Also, still haven't paid for car repairs resulting in repossessions of car. Slept outside for a week and jmablr to care for my ailing mother. This could've been prevented. The eru offices representatives, XXXX XXXX, really saw the detriment citibank caused and didn't understand it herself.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

I have previously filed a formal complaint through CFPB against EQUIFAX and they have failed to address their FEDERAL LAW VIOLATIONS. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. 

I have also submitted an affidavit of truth and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.
Complaint sub-issue: Trouble using the card to spend money in a store or online

i have a XXXX XXXXXXXX XXXX unemployment card through US Bank ReliaCard. i have {$6000.00} on cause it took so long to get it. now i, ve had it XXXX days and i cant access my money on it and i dont know why and i cant find any awnsers online or on the app and i cant get noone on the phone cause of the hour plus wait and then it disconnects, mean while im out of money still and my bills keep piling up please help me my name is XXXX XXXX XXXX my last XXXX of the XXXX digits on the card are XXXX and the last XXXX of nmy social security is XXXX my phone # XXXX email add XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

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 15 USC 1681. 

1.XXXX  XXXX XXXX violated my rights, 2. THE XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

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

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.
Complaint sub-issue: Personal information

I applied for a mortgage and Equifax sold my information to another mortgage company which called me to solicit my business. He told me my credit was good and he could help me get a better rate. I explained I was happy with my broker but he was persistent. I finally got him off the phone by having him email me his information. I never gave Equifax approval to sell my information to anyone. Is this legal?
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I sent Equifax a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also sent a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you removed the account from my report in XX/XX/XXXX however the account was reinserted and I was NEVER NOTIFIED which is a direct VIOLATION OF FCRA. There is no indication on my account that shows I sent you a debt verification letter last month and it has been over 30 days with NO response. I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies within the allowed 30 day time frame..
Complaint sub-issue: Debt is not yours

I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.