Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX I have contacted both XXXX XXXX and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with XXXX XXXX. The last communication was the following letter. 

To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$560.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm writing due to non complIance with the CRA Equifax they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

XXXX  XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Military Credit services Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

2866
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax : After 3 consecutive letter i am now writing to you via cfpb to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX- XXXX XXXX  Inquiry Date : XX/XX/2019 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.
Complaint sub-issue: Account information incorrect

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX Enhanced Recovery - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Complaint sub-issue: Information belongs to someone else

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car. 

This issue has been corrected on XXXX  and XXXX  with no issues and equifax has failed to correct it or even attempt to correct it as they stated they would. I only have and only ever had one account with XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I submitted to XXXX 3 occasions since XX/XX/XXXX and they stated DEPARTMENT OF EDUCATION WILL NOT GIVEN decision on approval of my payments under limited waiver from XXXX to XXXX despite approved as a non-profit organization ( MY LOANS WERE NOT CONSOLIDATED AT THIS TIME and I did not make full payments but tried ). 

I requested under limitd waiver these dates count from XXXX to XXXX as limited waiver CARES ACT approved attempted payments even if not consolidated. 

I made a complaint XX/XX/XXXX ( XXXX ID ) and was told DEPT OF EDUCATION has not decided since XX/XX/XXXX. TWO YEARS AGO!!!. 

I have requested MOHELA to contact DEPT of education regarding this as XXXX transferred my loan to Mohela. MOHELA will not respond and asks to call them. I requested responses in writing as chronic documentation as XXXX consistently did not honor verbal conversations. MOHELA has not processed any documents since XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hello XXXX  : XX/XX/XXXX. I have contacted XXXX   Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge pertaining fraud and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Cr XXXX XX/XX/XXXX XXXX, XXXX Pay Off ), ( XXXX XXXX  ), ( Dept Of Education ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.
Complaint sub-issue: Account status incorrect

XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
Complaint sub-issue: Personal information incorrect

15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance Equifax : XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$16000.00} Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount
Complaint sub-issue: Reporting company used your report improperly

Equifax improperly stored my personally identifiable information and it was divulged in a security breach earlier this year. It will now be more difficult for creditors to positively identify me when I apply for credit for the rest of my life. This is entirely unacceptable and Equifax should be pursued to the fullest extent of the law. Equifax is currently only offering me help and restitution if I agree to waive my rights to legal arbitration, which is also unacceptable.
Complaint sub-issue: Company closed your account

Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX  that they flagged account saying its closed. With know explanation.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a bank Credit card with USbank and have had it for awhile now. Every month I pay on the card for previous months purchases. I have been calling them and finding out that as soon as I pay my card they are allowing purchases to go through on my card. Purchases I dont authorize. I only have 3 things that I want to use this card for. But I cant because I find out every month that its being used elsewhere. I am continuing to try to get them to stop the charges that I dont authorize. But they continue to allow them monthly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Banking errors

I have been having problems keeping track of what is in my account due to my bank not proccessing my transactions on time.
Complaint sub-issue: Information belongs to someone else

was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.
Complaint sub-issue: Account status incorrect

In XX/XX/2018, Fed Loan Servicing reported that my payment was 120-149 days late. This is incorrect because my student loan was in forbearance since XXXX meaning that I did not have to make the XXXX payment. Even if the XXXX payment was due, it would not be 120-149 days late. I have tried to get it off of my report since it looks like 4 missed payments on my account due to having 4 student loan accounts to no avail.
Complaint sub-issue: Right to dispute notice not received

Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance. 
Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}. 
Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX. 
I have contacted XXXX and they have no knowledge of a past due account.
Complaint sub-issue: Confusing or misleading advertising about the card

Costco promotes their Credit card as Visa Signature issued by Citi, all their pictures show that the card is visa Signature and even their brochure show the same. I applied on the credit card and was approved. I received my credit card with the Visa Signature stamp on it. So I started using the Citi credit card having the Visa Signature benefits. After trying to use the benefits, I contacted Visa and to my shock they said that the provided card number is for Visa Traditional and not Visa Signature. So I contacted the bank to tell them that the  visa is issued by an incorrect number. Here I was shocked to get the feedback from the bank that this is a visa traditional card and not a visa signature ( as promoted by Costco and printed on the card by Citi ).

Please I want to file an official complaint against Costco for their misrepresentation of their card and against the bank for providing a fraudulent card which shows Visa Signature while it really is not. I am attaching a copy of the card for your review, the card shows Visa signature while the Bin number is for visa traditional.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN XXXX HOURS BUT INQUIRES ARE STILL THERE
Complaint sub-issue: Information belongs to someone else

ccount XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE
Complaint sub-issue: Was not notified of investigation status or results

XXXX of 2022 I got a starter loan from XXXX XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Complaint sub-issue: Their investigation did not fix an error on your report

Credco Inquiry from XX/XX/XXXX I spoke to CREDCO They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX in 30 days that " XXXX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from CREDCO and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, CREDCO Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


Credco Inquiry from XX/XX/XXXX Credco Inquiry from XX/XX/XXXX " Credco you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. CREDO Told me that they contacted XXXX, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has CREDO Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

CREDCO / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as CREDCO Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Complaint sub-issue: Debt is not mine

I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.