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

On several occasions I have disputed an account XXXX XXXX XXXX with Equifax as the account information is incorrect. I have requested multiple times for a verification and validation of the actual debt and I have received NOTHING from Either Equifax or XXXX. XXXX XXXX yet this inaccurate account is still reporting negatively on my credit report. As this has violated my federal rights, this account is to be deleted from my credit file.
Complaint sub-issue: Didn't receive notice of right to dispute

I HAVE NEVER HEARD OF OR HAVE BEEN MADE AWARE OF HAVING A DEBT WITH BAY AREA OR XXXX XXXX. I RECEIVED AN ALERT ON MY CREDIT MONITORING SYSTEM AND I WAS ADVISED THE ACCOUNT WAS REMOVED. HOWEVER, THERE WERE 3 ACCOUNTS AND ONLY 2 WERE REMOVED. HOW IS THAT POSSIBLE? THAT ACCOUNT THAT REMAINED WAS THEN UPDATED TO A COLLECTION. WHERE IS THE DOCUMENTATION? WHY WASN'T I NOTIFIED OR GIVEN AN OPPORTUNITY PRIOR TO RESEARCH THIS FALSE CLAIM. 

THE SYSTEM IS FLAWED, IT'S NOT FAIR TO JUST APPEAR ON MY REPORT AND IMPACT MY LIFE AND NOW I HAVE TO FIGHT TO REMOVE IT AS OPPOSED TO CONTACTING ME VERIFYING AND CONFIRMING IT IS MY DEBT PRIOR TO THIS ACTION. 

I MAKE IT MY DUTY TO PAY MY BILLS TO NOT BE IN THIS SITUATION SO IT IS VERY FRUSTRATING TO HAVE TO DEAL WITH THIS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires that show up on my report that are incorrect and unauthorized, please remove all inquires ( XXXX ) see below. 

XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

So, my wife and I have had our credit pulled to get pre-approved for a new home. Was informed there was some medical collections that needed ot be paid before we do that. I called and tried to negotiate they ( I.C systems ) told me it was in collections for too long and we had to pay in full amount and would not settle. This was XX/XX/2022 I paid in full to all three acounts .... 
After I paid, I started working with a credit repair gentleman and he asked if I had already paid the accounts on there, I said yes and he said well you shouldn't have because it was reported fraudulent and should have never been put back on your credit .... Said it is fraud because they lied to you saying you owed when it was too old to be collected. I was speaking to a lady from I.C. Systems. Which last year, with my entire tax return, I paid off more medical debt in collections and it is still reporting on there... After they told me it would only take 30-45 days to get off my credit. And still reporting on there and hurting mine and my wife 's credit still to this day.
Complaint sub-issue: Problem with personal statement of dispute

I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very 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 XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I disputed all non account holding inquiries with Equifax.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Equifax violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine
Complaint sub-issue: Information belongs to someone else

I am having a monumental problem with Macys and my credit reporting agency. When XXXX and XXXX agencies report to Macys, they are sending in reports that indicate that my XXXX score is under 500. I have never had a XXXX score of 500 or less. I do not understand why I am having so many problems with the credit agencies and Macys. 

The credit bureau tells me that it's not their fault and Macy 's tells me it's not their fault in the meantime no one is willing to assist me. 

Macys tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX & XXXX. 

I am disputing the information they are forwarding to Macys. I dont know how to correct the mistake Of the credit bureaus as well as Macys records. A Macys credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XX/XX/XXXX and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and Macy 's.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered flowers on XX/XX/2019 from XXXX XXXX XXXX for my son and daughter-in-law 's wedding on XX/XX/2019 for {$750.00} to XXXX XXXX, New York. They were delivered as expected on XX/XX/19, but half were missing. Complained to Merchant who sent the other half that arrived on XX/XX/19. Some of the other half were the wrong color, 1/3 were dying. We bought more flowers in XXXX XXXX to get the right colors and made do. 
Received a phone call from my daughter-in-law on XX/XX/19 saying XXXX XXXX XXXX  called her asking if another order was made because flowers were being sent to Texas on or about XX/XX/19, long after the wedding. She told them no such order was made and then called me to inform me. I immediately cancelled my card and went through my statements. I found charges for yet another order totaling {$750.00} for flowers sent 1700+ miles in the wrong direction in Texas that were not ordered. Merchant had been given the correct address for the correct day, which is why we received the half order. We made numerous complaints to XXXX XXXX XXXX, started 2 Cases with Citibank and an appeal, provided papers showing the actual order date and address and yet my funds have not been returned. 
It has become quite obvious that Citibank has not done due diligence.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I requested with Equifax to investigate and delete inaccurate information from my credit report report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Complaint sub-issue: Public record information inaccurate

These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX  and XXXX XXXX Veteran which by law I am no longer responsible for any student loans.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( CLOSED ), has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Debt is not mine

Originally this debt appeared on my credit report XX/XX/XXXX of 2015. ProCollect appeared on my credit report as a collection agency XXXX for {$690.00}. I currently live on the this apartments XXXX and i had never lived on this apartments before. I move in to this apartments XX/XX/XXXX 2015. I contacted ProCollect to let them know that the debt did not belonged to me, but they were not able to locate that account that appeared on my credit report.So, i disputed this account XXXX i send them a copy of my social security and my driver license. XXXX removed the account from my credit report but XXXX did not remove the account stating that ProCollect had validated the account. I made several attempts again to contact ProCollect and i had to go through a lot of loops to find a person that was willing to help me, i explained him my situation he was not able to find that account with my personal info he had to search by the apartment complex and he located an account that was under someone else name. that person had my same last name so he told me to send them my personal identifications and a copy of my dispute XXXX that it seemed that my social security was attached to the wrong person. So i send those documents and i also disputed the account XXXX again. The re-investigation was finished on XX/XX/XXXX 2015 and once again XXXX is not removing this account from my credit report and ProCollect is not willing to help me on this matter every time i call they are unprofessional and they are not able to locate an account under my social security or legal name but they are putting something on my credit report that they dont have record of.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open
Complaint sub-issue: Didn't receive enough information to verify debt

NOTICE of Racketeering activities and unlawful deceptive business practices.
Complaint sub-issue: Information belongs to someone else

There is an installment loan from a company called MoneyLion on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM FILING THIS COMPLAINT BECAUSE XXXX, EQUIFAX, AND XXXX  HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX  XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
Complaint sub-issue: Didn't receive notice of right to dispute

Previously Submitted COMPLAINT XXXX to the CFPB on XX/XX/XXXX asking CFPB XXXX Notice for validation of debts Company 's Response Closed with explanation The FDCPA required validation notice was sent on XX/XX/XXXX. 

Did not receive this FDCPA validation notice that you claim you scented to me on XX/XX/XXXX. Could you please upload it into the CFPB Database so i can review it? and send me a copy by certified mail. 

Also I attach a copy asking for Validation of the debt through USPS CERTIFIED MAIL. 

Thank you
Complaint sub-issue: Received bad information about your loan

I am writing because FedLoan has failed to generate a correct and up to date count of my PSLF payments. On XX/XX/XXXX, FedLoan issued an official accounting of my PSLF payments from XX/XX/XXXX thru XX/XX/XXXX. ( Document is attached. ) FedLoan credited 50 payments but they should have credited 51. I wrote to FedLoan on XX/XX/XXXX, and told them that their count erred in this specific way : For the period of XX/XX/XXXX to XX/XX/XXXX, I had made 12 payments but they only counted 11. I offered to supply payment confirmation documentationif needed. ( My letter is attached. ) On XX/XX/XXXX, when FedLoan had failed to respond in any way to my letter, I called and spoke to Rep # XXXX. That Rep reviewed the payment history with me on the phone and verified that I was correct and that they had missed a payment. That Rep told me that she would " have a review generated and a new letter issued. '' She told me it would take 7-10 days. A month went by and when FedLoan failed to issue the new letter, or communicate with me in any way, on XX/XX/XXXX, I, once again, called. I spoke with Rep # XXXX. That Rep told me that " a review '' was submitted on XX/XX/XXXX but that it would take 90 days for them to respond not 7-10 days. The Rep told me I would receive my new, corrected, PSLF count in XX/XX/XXXX. On XX/XX/XXXX, I called again and spoke with XXXX # XXXX who said that she could see my review was " still pending '' but that they were " very backed up '' and so she could not give me a completion date. Over the past 10 months I have received zero communications from FedLoan regarding the status of my pending review or my PSLF payment count.
Complaint sub-issue: Reporting company used your report improperly

XXXX gained unauthorized access to my credit report on XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello-On XXXX XXXX-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to XXXX XXXX ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXXstating they found no fraud, and that the investigation was finished. 
To this dayXXXX XXXX has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten Into the hands of the wrong person.
Complaint sub-issue: Personal information

I 'm not sure how to file a dispute for a wrong address. There is an address on my report, that I have never seen or lived at before.
Complaint sub-issue: Inadequate help over the phone

The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester. 

While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate. 

Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.
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 {$7800.00}, {$0.00}, {$7200.00}, {$3600.00}, {$1900.00}, {$0.00}, {$3200.00}, {$2100.00}, {$1500.00}, {$4300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOANS 7. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Complaint sub-issue: Investigation took more than 30 days

My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & XXXX ( XX/XX/XXXX ) have violated my rights. 

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 Unauthorized Inquiries : XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, and XXXX XXXX   XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Old information reappears or never goes away

Equifax and XXXX show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however Equifax will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, XXXX, showing me an issue or two, and Equifax showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiry on consumer credit report.