Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXXasking them to report my credit history accurately. I received a letter dated XX/XX/XXXXstating that they were reporting the information accurately. 

I have written, Equifax, XXXX  and XXXX  asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I found out from my credit monitoring app that Americollect had posted a debt for collection from 2014 from a medical place. I never received any phone calls or mail regarding a collection in this amount for this debt. Ever. If they called, they did not say anything about a collection or money being owed.
Complaint sub-issue: Problem during payment process

I paid off my XXXX 's account in full, but somehow they say I left a {$1.00} balance on the account which is absolutely not true. I would not leave a XXXX XXXX balance on the account. I simply paid it off and did not think twice about it again until I noticed they were reporting me 90 days late as ofXX/XX/2018, and then 120 days late in XX/XX/2018. I have tried to dispute this as an error due to the fact that I paid this account off in full and there should have been no balance left over, and therefore no late payments possible.
Complaint sub-issue: Investigation took more than 30 days

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought swimming pool motor from a company at XXXX but the motor has stopped after four month and since the motor has one year warranty I talked to the company about it, they said I should talk to the manufacture company XXXX XXXX XXXX XXXX, I talked to the Manufacture about the case and they told me the seller company should contact us all warranties work through the seller companies and I forwarded their email to the seller company and the seller company repeated the same answer " we can't do anything contact with the manufacture '' they said.And then I disputed this amount of purchase which is {$190.00} however Discover card found this charge valid despite i sent them all the needed documentations.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Emergency room visit year XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XXXX so they added it to my report as new in XX/XX/XXXX in XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt
Complaint sub-issue: Information belongs to someone else

I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested verification of my signature on something from this company thru Equifax. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let  another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax with the attached letter, to notify them that XXXX XXXX, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as Equifax refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from XXXX XXXX XXXX attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at XXXX XXXX XXXX request by the Court. Please see the attached motion. I have tried to correct the error with both XXXX XXXX and XXXX XXXX XXXX Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. XXXX XXXX, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, XXXX XXXX is providing false information, and Equifax, has material evidence which is more than sufficient.
Complaint sub-issue: Don't agree with fees charged

XXXX is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that National Collegiate Trust owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with National Collegiate Trust and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for National Collegiate Trust or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX is destroying my credit/FICO scores by their false claims.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Unkown : XXXX ; Unkown : XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed is that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Information belongs to someone else

In my credit report I see some auto loan that I dont have
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a XXXX party. In accordance with the Fair 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 XXXXXX/XX/2021 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX XXXX. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I have a lone and paid it off in XXXX but in XXXX they put i was delinquent on payments on my credit report thats i was more than 30 days late on payments which is not true. Moneylion had an system error when i put my payment through which i was not notified of till a notification came to my phone about my account
Complaint sub-issue: Fraudulent loan

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 an open end consumer credit plan as late for purpose. 
And Ive never had a diploma or GED to sign up I quit school in the XXXX grade but XXXX XXXX Told me that I didnt need anything to XXXX  from XXXX XXXX  so I enrolled not knowing 20 years later Im still having to pay a loan I wasnt supposed to pay because it closed down due to fraudulent charges against XXXX for taking people money and giving them a lot of debt
Complaint sub-issue: Deposits and withdrawals

I opened personal checking accounts in CITI Bank, in XX/XX/2022, then I deposited my clients checks into the account and also ask XXXX to deposit my money into one of the accounts, but all of sudden my bank app didnt show my accounts information then I called the contact us the agent told me your accounts are suspended as of XXXX XXXX and you will get your money that you deposited within 30-60 days. I waited 30 days no checks arrived I called again they said its in process by Fraud Department I asked why thy said you deposited business checks into personal checking and this is against Citi bank policy, I said so this is a mega crime and I have to be punished? No answer or explanation was given to me exempt its against bank policy. I waited 74 days then called again and now they said there is no money in my accounts and I have to contact the clients issuers of the checks and ask them if they can issue another check.

Im writing this complaint because bank treated me like a criminal just for depositing business checks into the personal accounts and no answers for XXXX benefits what happened. 
I like to seek help from you because my numerous contacts with the bank lead me no where with all my deposits and funds that they confirm by mail. 
Please Help, Many thanks in advance, Regards XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest XXXX. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX XXXX to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe XXXX XXXX XXXX NOR XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ) ( XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

Ive disputed online and Ive sent letters to Equifax, XXXX, and XXXX on XX/XX/2022 concerning all of the inaccuracies and inconsistencies on my report. Its been well over 30 days I still have not received a response. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.
Complaint sub-issue: Funds not received from closed account

I canceled the checking account created through US bank on XXXX by phone, but I still haven't received the remaining balance that was supposed to come in 10 business days. All the phone counselors only said they would call me to check again, and repeatedly said that the check was issued but not sent. No one called me back. When I visited the branch, I was informed that I could only consult by phone.
Complaint sub-issue: Reporting company used your report improperly

1. In accordance with the fair credit reporting act XXXX  XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states 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: Account information incorrect

This was a joint account. I was co-signer on the account. It is listed as an individual account. Due to some late payments, this account appears as a negative account on my report even though the account is now paid in full.
Complaint sub-issue: Account status incorrect

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I am requesting to dispute the following unauthorized credit inquiries on my Equifax credit report. These were done without my permission. 

XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I am also requesting the following addresses be removed as they are not associated with me. 

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

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.