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

I have sent numerous letters to Equifax, XXXX and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from Equifax, XXXX or XXXX. I want these late payments and inquires removed because Equifax, XXXX and Equifax have failed to respond to my request in my XX/XX/2021 dispute letter.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 

Furthermore, I do not live at the address which is being disputed. 
I have included proof of my current address.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with the credit bureau and was told to provide my id, social, and and report, which I did regarding the listed items on my report. I was told that my report would be updated in the next couple of days. There has been nearly a month and no change yet. How is it that I can provide what was requested and I called to confirm that they received my information and nothing was done. I keep receiving generic responses asking for my information after I have already provided it. My name is listed incorrectly, I have XXXX address only and XXXX XXXX XXXX inquiry is listed on there. I gave the information to the credit bureau and was told to wait a couple of days for this to be done and it is not done they asking me to send in my information again. When I called they confirmed that they had my information.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.
Complaint sub-issue: Public record information inaccurate

EQUIFAX RESPONSE TO COMPLAINT # XXXX IS TOTALLY A LIE. FIRST OFF, EQUIFAX DOES NOT REVEAL WHO IS THE FURNISHER OF INFORMATION, WHICH BY LAW THEY MUST. NOW IT IS EITHER THE COURTS WHICH IS CLEARY NOT ACCOURDING TO THE COURTS. OR ITS THEIR BUSINESS PARTNER WHICH IS DOCUMENTED THEY COULD NOT VERIFED ANY OF THE INFORMATION. SO WHO FURNISH AND WHOE VERIDIRED AND INVESTIGATED THE INFORMATION. WELL I KNOW THE ANSWER TO THIS IS NO ONE. THIS IS EXQUIFAX LAST CHANCE TO DELET THIS INFORMATION OF THIS PUBLIC RECORD BEFORE LITIGATION. CFPB PLEAS TAKE NOTE HOW EQUIFAX CONTINUES TO TRAMPLE OVER CONSUMER RIGHTS. 
I WILL STATE MY COMPLAINT AGAIN FOR THE LAST TIME BEFORE LITIGATION. 
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX  Bankruptcy # XXXX filing. I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXXXXXX XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other XXXX XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXXXXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Leased a bike from Motolease XXXX of XXXX. Was told would not be on credit and could terminate lease anytime if not satisfied without credit reports. Returned the bike XXXX of XXXX to the dealership/leader. Was told account was closed. I then started getting billed for balance still owed on bike. The account has been reported on my credit every single month since it was returned/repossessed. It is showing up on my credit and behind payments. I have tried to dispute multiple times over the last 2 years. I even called Motolease to get resolved. Last call to Motolease and dispute was today XX/XX/XXXX. This account needs to be removed.
Complaint sub-issue: Banking errors

Someone else was managing my bank account and I didnt have access to it.
Complaint sub-issue: Account status

I 've enclosed my recent credit file dated XXXX with a date of XXXX delinquency ( XXXX which according to FCRA guidelines & regulations determines the start date of the the 7 year period that this particular item shall be reported. ( exclusion date XXXX ) .I reached out to Equifax XXXX to inquire if it had been excluded however I was appalled to learn that this item ( XXXX XXXX ) credit report number XXXX had been illegally RE-AGED to start the clock over again.I 've took the initiative to research this matter further with the F.C.R.A being the predominant source of information and learned that the delinquency date CAN NOT & SHOULD NOT be re-started under any circumstances, the new date that i was given was XXXX!! Unfortunately Equifax has no regard for proper reporting of consumers information.I would appreciate greatly your assistance in this matter ... ... sincerely, XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a collection on my credit report for {$3600.00}. This collection was paid with a " Pay for delete '' agreement from a collection agency. I have the agreement sent to me on the company letterhead and it is still not being deleted from my reports. Also, I am not able to dispute on Equifax because they will not allow me into the online portal or accept my phone calls due to an unknown error.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I called my credit card company ( Citibank/XX/XX/XXXXXX/XX/XXXXAAdvantage Executive Master Card ) to ask for a deferment due to the Corona Virus Emergency. I explained that I am an XXXX  XXXX  and that I needed help/assistance over the next 60-90 days reading payments. I escalated the call to two different managers and was told both times that their company had no  programs in place to assist me and my only option would be to close the account.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
Complaint sub-issue: Frequent or repeated calls

I don't know if it is a real debt collector of a scammer. If it is a legitimate business, they are harrassing me! They call my phone almost every day, sometimes more than twice a day, and never leave a message. I don't answer calls from numbers I don't know. I have received nothing in writing regarding a debt that is in collections. I don't want to call the company because I have no idea why they are calling me and am afraid they are scammers. I do not handle any financial business on the phone, ever. I googled the phone number and it was listed on an attorney website as a debt collector. I was reporting a phone number as a scam and noticed that although I blocked the XXXX number after several weeks of them calling, my call log shows they have kept calling, I always see the missed calls, over and over, but I have never been contacted by mail. It is completely inappropriate business practice. 

Here is a list of call times and dates : XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm, XXXX pm, and XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm, XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am All of these calls and I have received nothing in writing. If this is a real business, this is incredibly inappropriate behavior. I want these people to stop calling me. I can block them so they can still call and leave a message, but I don't hear my phone ring. I want them to stop calling me period. My address is public information, they have never contacted me by mail.
Complaint sub-issue: Debt is not yours

I signed a contract for an off-grid PV system with a battery backup system with XXXX XXXX On XX/XX/2021 I signed a contract ( loan # XXXX ) with Mosaic to fund the {XXXX} project. As per the terms of my loan there is one disbursement of {XXXX} when the installation is 100 % completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100 % completed and I confirm the completion. 
I can not get a permit for the type of solar system I signed a contract for. Thus, XXXX  has never completed the installation of the system I signed a contract for. However, on XX/XX/2021 XXXX XXXX fraudulently and illegally told Mosaic the project was 100 % complete. I was never contacted. Mosaic paid XXXX {XXXX}. When I was alerted that it was time to start paying the loan, I contacted Mosaic since clearly there was a big mistake. I dont have a permit, let alone a completed system, why am I paying for this as if it is completed? 
Since XX/XX/2021 I have been trying to get Mosaic to cancel this loan considering I dont have the system the loan is for. When I call Mosaic they start a cancellation case. XXXX XXXX then has 21 business days to contact them and either confirm the install isnt complete or to lie and say the project is ongoing ( which right there shows they lied earlier when they said the project was 100 % complete to get paid right?!?! ). I am on my 5th cancellation case. Each time XXXX calls Mosaic, lies and Mosaic then dismisses the cancellation without even contacting me. Even though I have told them XXXX is lying and shown them proof including the permit denial they still accept XXXX claim that the project is just fine. Why is this so hard for them to understand? I have rescinded the contract with XXXX and I am now in talks with the Contractors State Licensing Board because XXXX has committed quite a few illegalities. I got a voicemail from XXXX  ( my first correspondence with them on the project since XXXX ) stating they would sent paperwork so they can remove whatever items they have left here from my property. Clearly that should show the contract is null and void and the system will not be completed. However, XXXX will not tell Mosaic that because then they will have to give back the money. Do I just have to pay {XXXX} for nothing? I cant afford an attorney. I would like to shut the autopay off because I cant afford it ( my husband is now XXXX ) but if I do my credit will get ruined. This is a loose loose situation and after 6 months I havent gotten anywhere.
Complaint sub-issue: Public record

This bankruptcy has been paid and closed other credit reporting agencies is nolonger reporting it because they show a big different in my credit score only equal fax is still reporting it
Complaint sub-issue: Information belongs to someone else

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX
Complaint sub-issue: Contacted your employer

On XX/XX/2019, my employer received an email from XXXX XXXX with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted XXXX XXXX who first stated that they don ; t  have me in their system. Then the lady stated that yes she found me and the loan is for Inbox loan. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is XXXX XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that XXXX XXXX is not licensed at all. THIS IS A SCAM
Complaint sub-issue: Account information incorrect

LEXISNEXIS has yet again reported inaccurate information under the motor vehicle section of my consumer report. Case # XXXX has absolutely NOTHING to do with my driving record. This case should NOT be reporting under my motor vehicle section. I literally just had XXXX other case 's removed not even XXXX weeks ago ( XXXX and XXXX ) these XXXX cases were removed for the exact same reason that I'm submitting this complaint/dispute today. This XXXX case # is also inaccurate because I've always had license and was NEVER pulled over without them. I also live in Texas not in Ohio. I think LexisNexis is mixing up my consumer file. 

If both case 's under case # XXXX XXXX XXXX XXXX ... XXXX Case # XXXX Lane Control Signals are not revised and deleted from my consumer report I'll sue for the max amount and enforce my rights under the FRCA. I'll include my Texas Driver 's License solely for the purpose of verifying my identity. I've also attached the incorrect and misreporting from LexisNexis.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is just an FYI regarding notice we receive from Citibank and my reaponse. 
Hello, I am ok for you not issuing another card, but forfeiting the rewards I acquired from the previous spending before it was closed and 2 weeks before in cashing the reward is suspicious. We can actually almost payoff our citi card with our cash reward of XXXX $ and now we still have a balance because you would not give us the cash reward?? If this is you, for sure you will be upset too because you've been taken advantage! I understand if we are not paying our dues in the card but we are and my score is actually better than the previous year. This is just upsetting. You dont help customers but letting people go more in debt. I hope you learn what customer service is. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.