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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX BUREA-Date of Inquiry XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX CXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.
Complaint sub-issue: Deposits and withdrawals

There was fraud covered byREG E on my account Citi bank then refunded me my money and instantly blocked my account and closed it, no one from their team has helped me get access to these funds. All they say is 30-60 days I will receive a check. Citi bank allowed this fraud to happen on my account and they closed my account for their mistake. And now they are refusing to allow me to withdraw my funds or wire my funds to another account. They are violating REG E and have completely stolen my money with zero explanation.
Complaint sub-issue: Information belongs to someone else

It appears that 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 or information which is found to be opened due to identity theft. The dispute items 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 the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PHYS XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX 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 each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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: Reporting company used your report improperly

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They Did Not Do This. 

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal. 

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written instructions
Complaint sub-issue: Can't decrease my monthly payments

Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$1400.00} XXXX/XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$90.00}
Complaint sub-issue: Received bad information about your loan

I was a struggling XXXX XXXX XXXX when I was working on my XXXX XXXX. When I graduated I knew I was interested in the PSLF program. I reached out to my current loans and consolidated with FedLoan Servicing in 2012. I was really struggling financially to pay bills, feed my family, etc so I reached out and asked about my options and told them I HAD TO CONTINUE getting credit toward my 120 payments. I was advised to take an economic hardship and that it would count toward the 120 qualifying payments. I was told by MULTIPLE workers at FedLoan and therefore wasted years of time as they are now saying it doesnt count. I am begging for the DOE and FedLoan to count those payments, so many of us are counting on them. We were lied to. We were told wrong information numerous times. We were misled. We will now be putting our family in yet another financial hardship because of these lies. I have stayed with my non-profit company BECAUSE of the PSLF program and now I am back to square one. Please make them do what is right and what they said to all of us from the beginning. Thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX  is taking care all my credit but still is hard because the XXXX XXXX  debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a vehicle through XXXX XXXX XXXX 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to Equifax. My auto loan should be at about 6200+ int. Equifax told me that they were made aware that XXXX closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open
Complaint sub-issue: Public record

This public record has been sitting on my report for years now. 
I filed a complaint with the City of XXXX, sent them documentation of my address etc, and they promptly removed the lien. The lien was removed because it was in fact AN ERROR, it never should have been placed on my report. At this point however a third party already sent these details to the credit bureaus. 
I 've since disputed the information with each bureau, XXXX & XXXX promptly removed it after properly reviewing the case. However, Equifax still continues to report this. Their response to my complaint was to simply contact the court who listed the information. The courts verified it was listed and removed, and the dates it was listed and removed. My complaint and my dispute was never whether I was the person in question - it was the fact that the lien was improperly filed and should not be listed on my report as a valid record. The original party who filed this is the XXXX County Recorder of Deeds, NOT the court where it was filed. This needs to be removed immediately. If Equifax inted to investigate, they must contact the ORIGINAL furnisher of the information, not a third party ( i.e. the court ). I have called Equifax several times and requested to be contacted by a manager or someone in authority to handle this, and each time I am then put on hold where all I hear for hours is hold music.
Complaint sub-issue: Debt is not mine

I XXXX XXXX and my brother XXXX XXXX were contacted by HUNTER WARFIELD COLLECTION AGENCY ( XXXX ) XXXX, stating that we owe the amount of {$8000.00} which owed to their client, XXXX AT XXXX XXXX address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 
I XXXX XXXX and my brother XXXX XXXX no longer live at XXXX at XXXX apartments from the address above since XXXX XXXX, 2015, due to the purchase of my new house and the balance that we owed was zero dollars at that time. 
As the agreement we came on with Property manager XXXX XXXX XXXX on XXXX XXXX, 2015, in finding the new tenants XXXX XXXX XXXX and her roommate to take over the remaining of the lease and all rent responsibilities. XXXX XXXX agreed to tenant replacement and notice letter was given to her on XXXX XXXX, 2015.
Complaint sub-issue: Need information about your loan balance or loan terms

In XX/XX/XXXX when submitting my Employment Certification to verify my eligible employment status for PSLF for the year XX/XX/XXXX-XX/XX/XXXX, it was denied because my account was apparently in " paid ahead '' status, which rendered the payments I did make in that year ineligible for PSLF. This was not an error on my end, this was an error on MyFedLoan 's end, verified by their employee when looking at my account. I was told that they fixed the paid ahead status on their end, but that I would need to have my previous years payments put under audit, to get that year approved. That was XX/XX/XXXX,  and I have yet to have this audit processed. I have called MyFedLoan on XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), and XX/XX/XXXX (  spoke with EID XXXX ), and no further updates are able to be provided, other than it has still yet to be processed. When I ask how long in their experience I can expect this to take, I get estimates from 12 months to 5 years.
Complaint sub-issue: Attempted to collect wrong amount

I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. 
Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. 
I ended up switching to XXXX XXXX after that.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX XXXXXXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance XXXX : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Public record information inaccurate

I originally submitted a complaint with CFPB regarding LexisNexis listing the wrong case number in their database for my Chapter XXXX Bankruptcy. This information was being reported incorrectly to the XXXX major bureau XXXXXX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. I also requested a security freeze placed on my file with instructions for them to not disclose information to the bureaus which they didnt honor. 

I received the results of their investigation on XX/XX/2020 in which LexisNexis stated they verified case number XXXX as being correct through XX/XX/XXXX. After this i went direct to that database and search in their system under that case number XXXX, and through my due diligence that number return multiple case files not matching my CH. XXXX BK. Only after typing in the correct case number as supplied on my court documents sent to me by the courts and the attorney was able to pull the right file. 

I advise LexisNexis of this in the last investigation that the case number XXXX isnt the correct sequence to pull my case in public record, yet they refuse to due the proper due diligence correctly. The reason why this is important to show the accurate case number to search is because under the case number XXXX which LexisNexis says is correct in that order ( which it isnt ) will pull multiple other file cases that can potentially pull their negative information onto my records. That can cause devastating affects to my file and hinder me from being able to secure credit, financing and potentially residency. I have included documents to show proof
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of XXXX  I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX  XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX of New Jersey before a competent court of law! XXXX could be liable criminally and civilly for FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Complaint sub-issue: Personal information incorrect

My name is not right, it should be XXXX XXXX XXXX and not XXXX XXXX. 

Also I have two address on my report that are not mine, the following addresses are XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX, MI XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fir 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 XXXX has violated my rights. 
XXXX & XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXX/XX/XXXX has violated my rights. 
EQUIFAX MORTAGE SERVIC XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through Equifax. The amount was XXXX. I was sent confirmation it was removed and paid in full from Equifax dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Complaint sub-issue: Other problem getting your report or credit score

I have had an ongoing issue with Equifax. Lenders are unable to pull my Equifax credit report ( no issues with XXXX or XXXX ). I have had no luck with addressing the issue over the phone, I keep being told that there is nothing wrong. I cant even pull my free annual credit report. This is making it very difficult to get a loan and I do not know what to do. Equifax has no answers, solutions or even direction for possible resolution.
Complaint sub-issue: Debt resulted from identity theft

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you