Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello on XX/XX/XXXX I sent a inquiry removal letter to Equifax and recieved no response. It has been well over 90 days and these inquiries remain on my credit profile causing me problems on trying to acquire credit in my name. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA ( Fair Credit reporting act ) 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately! I believe Equifax is ignoring my letters for these inquiries.I called the below creditors and they have NO proof I initiated such inquiries, nor writtenauthorization please delete these inquiries off my credit profile it has damaged my character long enough.
Complaint sub-issue: Problem during payment process

As of today, XXXX XX/XX/2020, there have been multiple issues with this card. 
1 ) I opened a new Macys XXXX XXXX card in early 2020. I was promised Macys bonus points ( aka XXXX XXXX ) worth {$20.00} in Macys purchases if I used the card for at least {$150.00} in purchases outside of Macys by XXXX XX/XX/2020. I fulfilled the requirement timely, and despite multiple calls and messages to Macys XXXX  credit card dept. I haven't been awarded that promotiional perk ; 2 ) I also never received my " birthday gift, '' another promotional promise ; 3 ) Latest issue is the failure to process my payment check timely. The most recent check was mailed XXXX XXXX from my local post office. It has not been processed some 10 business days later. The last time I spoke to one of the agents, I was told that because Macys has moved much of this function off-shore, things are not the same.

No kidding. If the payment check is not processed/cleared by Monday, XXXX, it will be late and will likely incur a late fee. By comparison - a payment check I mailed to another company on XXXX XXXX from the same post office cleared today, 5 business days later. 

It seems to me that Macys XXXX  is pressuring me to pay my bill in another manner to make it more convenient/less expensive for them. 

BTW, my email inquiries have been answered by an automated message response program generated by XXXX This onion has a lot of layers and that is NOT in service to we consumers. It makes it nearly impossible to get assistance or a comprehensible reply, let alone timely resolution.
Complaint sub-issue: Information belongs to someone else

I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry XXXX XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CC CFPB CERTIFIED MAIL RETURN RECEIPT # XXXX XX/XX/2022 ACCOUNT NUMBER:XXXX BALANCE REPORTING INCORRECTLY PLEASE DELETE Dear XXXX XXXX XXXX XXXXXXXX : 2ND DIRECT REQUEST AND 3RD BUREAU XXXX ***PLEASE NOTE THAT MY CORRECT ADDRESS IS LISTED AT THE HEAD OF FOOT OF THIS LETTER. *** This letter is to inform you that I am disputing your company 's references on my credit report because of lack of completeness, accuracy, and proof of verification. I recently disputed this account with the credit bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete through investigation leaving you and them both in non-compliance. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : PLEASE VALIDATE THIS ACCOUNT ENTIRELY FOR COMPLETENESS AND ACCURACY. I WOULD ALSO LIKE ALL INFORMATION YOU HAVE ON FILE FOR THIS ACCOUNT TO ENSURE THAT IT BELONGS TO ME. THINGS SUCH AS A CONTRACT, FULL ACCOUNTING HISTORY, SOMETHING THAT PROVES THIS ACCOUNT BELONGS TO ME AND I AGREED TO PAY THIS ACCOUNT. ALL DATES OF ACTIVITY, SUCH AS DATE OPENED, DATE CLOSED, DUE DATES, AND DATES PAYMENTS WHERE ACTUALLY RECEIVED. DOCUMENTS THAT SHOW WHAT WAS PURCHASED, THROUGH WHO AND WHEN. 

PLEASE PROVIDE ME WITH PROOF WHEN THIS ACCOUNT WAS OPENED, WHEN THE LAST PAYMENT WAS RECEIVED ON THIS ACCOUNT. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account, a description of the records reviewed, and a copy of all of the documentation, statements and information in your possession that you used to conduct your investigation so that I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. If this address is different from the one you have on file, please update your records to my one and only current address listed above. 

Thank you for your prompt attention to this matter. 

THIS IS MY SECOND REQUEST. IF THIS REQUEST GOES UNANSWERED I AM PREPARED TO SEND ALL CORRESPONDENCES TO THE FEDERAL TRADE COMMISSION AND SEEK LEGAL ASSISTANCE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX :
Complaint sub-issue: Investigation took more than 30 days

I am sick and tired of your bureaucratic methods of deleting an item that is in VIOLATION of the FCRA. Your investigation is taking longer than 60 days. YOU MUST DELETE XXXX/XXXX XXXX XXXX from my credit FORTHWITH. THE VIOLATION IS CLEAR. I am preparing a defamation lawsuit against EQUIFAX. Your auto reply XXXX  is a disaster and a disgrace to the American people. You violate the law and get away with it. This is my last communication before my lawsuit. DELETE THE ITEM. You are preventing me from getting a job to support my family. The media is going to hear about this in the mainstream.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

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

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

15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

It appears that in XXXX, 2017, Equifax improperly handled the financial and personal information of many people, and it appears that I am one of the people exposed. My SSN, name, address, credit card numbers, and other identifying information was released and could be used to damage my credit score and make me liable for damages.
Complaint sub-issue: Debt is not yours

I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Provide me with the full original contract with my wet ink signature & the full purchase agreement & proof that you own this debt or remove this debt account that say I owe you off my XXXX & XXXX
Complaint sub-issue: Received bad information about your loan

For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX  an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX  is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX.
Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.
Complaint sub-issue: Old information reappears or never goes away

There is an account reporting with XXXX XXXX on my Equifax report and the account is actually past the statue of limitations. The only bureau reporting this is Equifax and they are reporting it as though it opened two years ago. That is not accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to XXXX Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in Chicago blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.
Complaint sub-issue: Old information reappears or never goes away

XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received responses informing me the investigation was complete from them and I had documents provided by the debt collectors providing me invalid forms of proof in order to justify illegally reporting these collections on my report. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time their willful improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Received bad information about your loan

I have been enrolled in the Income-Based Repayment ( IBR ) program with American Education Services ( AES ) since  XXXX  and I am required to recertify annually for the program by submitting an application along with financial documents. This year, the re-certification process changed slightly and rather than submitting my application and financial information directly to my loan servicer ( AES ) as I have done every time in the past, I was instructed to " log into StudentLoans.gov to complete an IDR application, which will be forwarded to AES ''. I followed these instructions and completed the re-certification process, submitting my application and financial information, according to the directions provided at StudentLoans.gov on  XX/XX/2017 . On  XX/XX/2017 , I received an email letter from AES stating that Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Income-Based Repayment plan. Your new monthly payment of {$1100.00} is first due on  XX/XX/2017 . On the same day, I also received an additional email letter from AES stating that Interest has been capitalized on the loan ( s ) listed on the reverse side of this letter. This occurred because your forbearance, deferment, or grace period ended. The loans listed in both letters were the same loans.
Upon viewing this information, I made a call to AES about the loans in question and after a lengthy conversation with the representative, it was concluded by the representative that the address provided by StudentLoans.gov to mail my re-certification documentation was incorrect and instead appeared to be the address of their sister company and not AES. The address I was provided and mailed my documentation to was, FedLoan Servicing   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX  . The representative then provided a fax number and proper address for me to re-submit my information for review to which I promptly complied. However, due to this error, two events occurred which have negatively impacted me financially. First, all unpaid accrued interest on my student loans accumulated during the previous 4 years ( approx. {$4200.00} ) was capitalized on my student loans. Second, my loan payment due on  XX/XX/XXXX  increased dramatically to {$1100.00} from {$490.00} the prior month.
In addition, I take issue with the enormous amount of misinformation being provided by my loan servicer. According to their documents provided on  XX/XX/XXXX , my loans remain on the Income-Based Repayment plan to which a key benefit is deferment of interest capitalization, yet interest was capitalized on my student loans that very same day. Also, they stated that Your new monthly payment of {$1100.00} is first due on  XX/XX/XXXX , however the increase happened almost immediately with the increased payment being due on  XX/XX/XXXX 7, not  XX/XX/XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my XXXX, Equifax and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed XXXX, Equifax and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required XXXX, Equifax and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that XXXX, Equifax and XXXX are willingly and knowingly reporting false information on my consumer report. I required XXXX, Equifax and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, XXXX, Equifax and XXXX has yet to respond to the letter sent through the mail. I demand XXXX, Equifax and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that XXXX, Equifax, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information XXXX, Equifax and XXXX is reporting on my consumer report. XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated report.
Complaint sub-issue: Debt is not yours

The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Complaint sub-issue: Problem getting your free annual credit report

every year i tried to get my credit report i being denied by equifax they demand photo id utility bills etc i mailed every year but no response from them
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!
Complaint sub-issue: Frequent or repeated calls

For months now I've been getting calls from a company called ERC. I've told them to send me some information about the debt and they refuse to do that. They call me and my wife 's phone 6 to 7 times per day
Complaint sub-issue: Account information incorrect

Two bureaus are reporting two accounts for XXXX XXXX   on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.
Complaint sub-issue: Personal information incorrect

All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!
Complaint sub-issue: Account status incorrect

I have a mortgage loan with XXXX/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.