Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On the following listed dates below my information was used to place inquiries into my credit file that I did not authorize and I have filed multiple disputed with the credit bureau and they tell me that within 1 day that they find the information to be factual and are refusing to removing to remove it from my credit report. However they have acknowledge and placed the fraud alert on my credit file but still have these fraudulent inquiries on my file. They have not produced any documentation to me that shows how they conduct these investigations and I find it suspicious that they are able to do so in 1 day which is the timeframe that I filed my most recent dispute and received a response dated that same day. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX LL XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX
Complaint sub-issue: Called before 8am or after 9pm

This toll free number keeps calling early in the morning all day and through the evening. 
XXXX. They call on my home phone @ XXXX, or my cell phone number @ XXXX. I have no idea who is calling because I do not recognize the phone number.
Complaint sub-issue: Frequent or repeated calls

ON XX/XX/2020, I received a text from MRS associates about a unconfirmed bill with XXXX XXXX. I replied to that text message to stop -- the stop was not acknowledged bu MRS . 
On XX/XX/2020, I spoke to A Mrs. XXXX XXXX a rep at MRS about this issues. I asked her to validate the claim and her response to me was " I dont know what that is '' As on the date of this filing, MRS has not acknowledge my request to validate this debt as my right under FCRA.
Complaint sub-issue: Received bad information about your loan

Hello. I have made several student loan payments to FedLoan Servicing that are not showing as being qualified. Many of these payments were made while being employed by two PSLF-qualifying employers between XX/XX/XXXX and XX/XX/XXXX. I submitted certification forms for these two employers to FedLoan, most recently on XX/XX/XXXX and have not yet heard back. I see that, in the time that I've been waiting for a response to my XX/XX/XXXX form submission, my qualifying payment total has increased but is not completely accurate. I see three issues : 1. When I was employed by one of the PSLF-qualifying employers, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 13 payments, and none of these payments are showing as being qualified.

2. While employed by another PSLF-qualifying employer, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 28 payments, but only 24 of these payments ( from XX/XX/XXXX to XX/XX/XXXX XXXX are showing as being qualified. This leaves 4 payments ( from XX/XX/XXXX through XX/XX/XXXX ) as not showing as being qualified. 
3. I have made consistent student loan payments while being employed by my current PSLF-qualifying employer from XX/XX/XXXX until present. There is 1 student loan payment ( for XX/XX/XXXX ) that is not showing as being qualified. 

These incidents total 18 payments that should be qualified and are not currently showing as such. Thank you for your attention to this.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}
Complaint sub-issue: Their investigation did not fix an error on your report

For the past 1.5 years All 3 credit beaurous have erased items on my credit erased history and have added inaccurate things. I have been working on my reports for 4 years and know exactly what should be on there. They ask me for proof I send it, They want me to call the creditor I do. There is nothing else I can do except keep going in circles for this to be corrected. 
1. XXXX is misreporting my XXXX once they added it again. showing I only had the account for a little over a year when Ibhave made payments in full every single month since XX/XX/2017. They added the account back on but it is not showing the correct length of history which is causing a negative drop in my score due to no or low credit history. I have made Payments in full every single month Since XX/XX/2017 That needs to be corrected and once that gets corrected # 2 Equifax and XXXX need to get there facts straight because they have already and are still continuing to destroy my credit. 
Equifax had me reported as deceased for a good 6 months. 
I have sent everything, The creditors have sent letters. They are wrong and once they finally realize that thos account should of never been removed It needs to be added correctly just like the fact that XXXX  has the dates wrong and that Needs to be fixed I have already done so multiple times, The bank has contacted them. I have shown evidence they asked for with still no change. I have contacted both the bank and the credit beaouros Equifax and XXXX. The creditor ( XXXX XXXX  XXXX states they have been reporting it and never stopped since XX/XX/2017. They say that I need to call the credit beaurous. The credit beaours are telling me to call them. Well the credit beaurous are the ones who have destroyed my credit for the last year by erasing items as well as not reporting correct dates. This is not a game. I have always paid all my debts off in full every month I should have years of credit history and I am graded a F in that area. Along with reading the once was reporting XXXX vanished just like XXXX did. I have sent documents of the reports showing the account and showing every single payment every month in full. I have provided Letters from XXXX  explaining that they are not reporting correctly, They have contacted the beaouros about this as well. Nothing has happend. I should have 4 years of history with 2 accounts and 13 years with XXXX .Just fix this We have done our part Both the creditor and myself have given them every document and proof that this account Should be reporting on a perfect history since XX/XX/2017 and they failed to do what they said they were going to do once the info was received it took 10 calls to finally convince my creditor that they were denying to report this due to the bank Never stopping it should of never came off my credit to begin with over a year ago. This account is 4 years old!
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX, I email Consumer Financial 3 Months ago disputing this twice about this XXXX XXXX account that card had not been use since XX/XX/XXXX AND HAD A BALANCE OF {$4300.00} they were charging me {$380.00} monthly EXTRA beside me paying {$150.00} to {$200.00} for min. PAYMENTS. I DISPUTED AND requested to Consumer FINANCIAL PROTECTION INVESTIGATE THIS CARD AND MY ACCOUNT. THE NEXT THING I KNOW THIS CARD XXXX XXXX HAD CLOSED MY CARD ONLINE ALL STATEMENT GONE WITH OUT NOTICE. 
I WAS MAKING PAYMENTS toward account there NO STATEMENT IN XXXX I QUESTION THIS WITH XXXX. I Have ANOTHER CARD BY XXXX WHEN I CALL XXXX XXXX XXXX THEY INFORM ME THAT THIS CARD IS NOT PART OF XXXX XXXX. is when I ask Consumer Financial protection to investigate this and now they have place collection on Credit which should not be done on XX/XX/XXXX and On XX/XX/XXXX Collection letter from Alltrans Financial in XXXX tx. which I will be disputing this. 

I will contact Reporting Debt Collectors That Violate the FDCPA for unknow telephone calls using different number about 30 calls week No notice that they was collecting they post to account XX/XX/XXXX credit bur. and on XX/XX/XXXX A letter from AllTrans. 

this card by XXXX XXXX was in dispute and they know this. wrong amount, card had no charges since XX/XX/XXXX was making payments up to XX/XX/XXXX monthly. 

THIS HAPPEN TWO -THREE MONTHS WHERE THIS CARD SHUT DOWN MY CREDIT INFORMATION ONLINE AND CANCELED MY CARD. NOW LAST WEEK THERE A NEW COLLECTION WHICH I WAS NOT INFORM
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act conversion account numbers have violated my rights.

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XX/XX/XXXX Account XXXX XXXX  ( {$390.00} ) XX/XX/XXXX Account XXXX XXXX XXXX XXXX ( {$220.00} ) XXXX
Complaint sub-issue: Account status incorrect

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Complaint sub-issue: Information belongs to someone else

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Complaint sub-issue: Need information about your loan balance or loan terms

I, as a federally protected consumer, have reached out to Discover Student Loans via certified mail requesting information in which I have yet to receive neither a response nor the information in which I requested. The certified mail is posted as received on XX/XX/20XXXX XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Public record information inaccurate

OnXX/XX/2019,IplacedasecurityfreezeonmyfilewithXXXXXXXXXXXX.

OnXX/XX/2019,IsentEquifaxacertifiedletterrequestingverifiableprooftheyhaveonfileregardingthebankruptcies.

OnXX/XX/2019,IsentUSBankruptcycourtacertifiedletterseekinginformationonhowtheyreporttocreditreportingagencies.

OnXX/XX/2019,IreceivedaletterfromUSBankruptcycourtstatingbankruptcycourtdoesNOTperformanyactivitieswiththecreditbureaus.

OnXX/XX/2019,IreceivedacopyofEquifaxinvestigationreport.Equifaxstatedtheinformation,Idisputedwasverifiedthatthepublicrecorditemisreportingcorrectly.

Equifaxobtainedinformationfromlocal,stateandfederalcourtsthroughathird-partyvendor,XXXX.

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

We in the process of contacting the credit bureaus to investigate the inquiries.
Complaint sub-issue: Debt is not yours

PUGET SOUND COLLECTIONS INC IS TRYING TO COLLECT MONEY FROM ME THAT IS NOT OWED TO THEM! 

I have requested information/validation on this debt BEARING MY SIGNATURE, as required by the FDCPA per code section 807-8, and have not received anything stating that I owe THIS company ANY money. 

They have repeatedly stated that they have validated this debt WITHOUT PROOF OF MY SIGNATURE. 

I have never done any business, never SIGNED a contract with them, nor do I owe them any money.
Complaint sub-issue: Account status incorrect

I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for XXXX   AND XXXX. I have even contacted CONNS LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and CONNS APPLIANCES. 

CONNS XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now CONNS are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.
Complaint sub-issue: Public record information inaccurate

I opened a dispute with Equifax regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked Equifax to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.
Complaint sub-issue: Account status incorrect

the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX  showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by XXXX. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX 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.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I purchased a used recreational vehicle ( RV ) from a private seller in XX/XX/XXXX with a loan from Bank of The West ( BOW ). As of XX/XX/XXXX I am still unable to use the RV due to BOW failure to register the RV. BOW initially provided the incorrect mailing address to the sellers bank, XXXX XXXX XXXX Bank. XXXX XXXX XXXX Bank mailed the title to the invalid address and the title was subsequently lost. I have contacted the " customer service '' department of BOW via phone and email dozens of times. BOW asked that I reach out to the seller and request their drivers license to request a new title. After telling BOW that I do not work for BOW and I would not reach out to get the DL, they told me that in that case there is nothing they can do. I relented and reached out and provided BOW with the DL as requested. My most recent attempt to get a status update on the title was via email sent on XX/XX/XXXX. BOW has not responded to my email as of XX/XX/XXXX. I have been paying principle, interest, insurance, and storage for the RV for 13 months now and am unable to use the RV due to BOW 's negligence.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX  XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!