Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.
Complaint sub-issue: Was not notified of investigation status or results

Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.
Complaint sub-issue: Privacy issues

I received a credit card in my previous name which I haven't used for 25 years. I was concerned about my privacy and tried to call the company at XXXX but I was unable to get past the recordings to speak to a representative. It is a visa debit card through US Bank ReliaCard
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed these charge off on this XXXX   XXXX And XXXX  XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "
Complaint sub-issue: Received bad information about my loan

Greetings, My name is XXXX XXXX, and I am filing a formal complaint against Pennsylvania Higher Education Assistance Agency ( PHEAA ). The complaint arises from PHEAA 's unlawful attempt to collect on an alleged debt. 

Details : On XXXX XXXX, 2016 I received a letter from PHEAA threatening wage garnishment ( See attached letter ). They also went as far as listing my most recent employer to indicate from whom they 'd be garnishing the alleged debt from. The letters starts off by stating, " You are given notice that Pennsylvania Higher Education Assistance Agency ( PHEAA ), pursuant to Federal law ( Public Law 103-164, as amended by Public law 109-171 : 20 U.S.C. Section 1095a et seq. ), will order your employer to immediately withhold money from your pay ... ''. 

They go on to say that I must establish a " written repayment agreement '' with them by a certain date or they " will proceed to collect this debt through deductions from '' my pay. The second paragraph of the first page continues to levy additional threats in regards to garnishment. 

This letter is in violation of multiple FDCPA laws including, but not limited to, 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692j - Furnishing certain deceptive forms, etc. 

This unlawful attempt to collect on this alleged debt has left me physically exhausted and fearful. The amount of emotional distress is all-consuming because I do not know how far this company will go in their unlawful attempt. 

I would like the Bureau of Consumer financial protection to file an FDCPA lawsuit against PHEAA on my behalf for their behavior in this instant matter. 

Thanks in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

XX/XX/2019 I written a letter to the courts regarding disclosure of my personal information and was advise by the courts that no such thing has taken place on their behalf. I then sent the letter from the courts to Lexis Nexis certified mail on XX/XX/2019, which stated my personal information was not disclose to no parties. I requested an explanation from the company so that I can have the information removed from my credit report as its affecting my life tremendously. I have not heard from the company and its been 30 days since I reached out to them. Please help with this matter. 

Kind Regards, XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX  XXXX NEVER LATE
Complaint sub-issue: Problem making or receiving payments

I am using an app called XXXX to buy online lottery tickets in my state. When I try to connect my bank with the application to have the payouts from my winnings transferred into my bank account I get an error message that states that my bank made a change to their system and is not allowing the connection. XXXX advised me that they are working with my bank to resolve this issue but they also advised me to file a complaint with you, so that I can get access to my account and have it connected with XXXX.
Complaint sub-issue: Information belongs to someone else

A debt from a utility company showed up on my report. After XXXX  the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX  ( XXXX XXXX XXXX  ). XXXX has removed the information from my report but equifax and XXXX  have not.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/XXXX and XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 is 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 items 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. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I submitted a CFPB complaint about XXXX XXXX XXXX and Equifax inaccurately reporting 2 medical collections on my credit file, that I DO NOT OWE. On XX/XX/2022, XXXX XXXX XXXX responded to my complaint stating they will be requesting deletion from Equifax to remove the inaccurate collection account from my credit file. Attached is the confirmation of the deletion letter that XXXX XXXX XXXX provided. On XX/XX/2022, Equifax closed my complaint with the following response : " Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call 1-888-EQUIFAX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. '' I recently checked the status of my re-investigation request with Equifax and noticed that the reinvestigation was completed, and the accounts were allegedly ''VERIFIED '' and remain on my credit file. How can Equifax verify these alleged accounts, if the creditor has requested to remove these accounts? This is a major violation of my consumer protection rights to ensure a complete and accurate credit history. I was also denied a home loan due to the negligence of Equifax in reporting inaccurate information on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AVANTUS LLC - Mortgage Reporters Inquiry Date XX/XX/2020 I tried to reach out to this company several times by phone, and email to get this removed from my credit report. I do not recognize this and did not authorize this credit inquiry. This company has very poor customer service or communication regarding this matter. I had no other choice but to contact CFPB to get this taken care of. I have been trying for several months with this company but they do not cooperate. They didn't even give me any documentation or paperwork showing any proof of this inquiry being authorized by me. Please have this removed from my credit report.
Complaint sub-issue: Billing problem

Re : Volkswagon Credit We are prepared to file a lawsuit against VW of America and VW Credit for a wrongful repossession, violation of Fair Credit Reporting Act and violation federal disaster mandates. 

The consumer was a teacher, and because she had not been working during the summer months, her account fell behind. In XX/XX/XXXX, during Hurricane Irma, the consumer requested that VW Credit apply a disaster benefit ( payment deferment ) to the account. The benefit was not applied and the vehicle was repossessed in XX/XX/XXXX. 

On XX/XX/XXXX, The VW Credit Recovery Department confirmed that the consumer 's account was eligible for a disaster benefit in XX/XX/XXXX, and similar accounts received benefits. The Recovery Department further indicated that had the benefit been applied, the vehicle would not have been repossessed. 

Your timely attention to this matter is greatly appreciated.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues not reporting my XXXX XXXX Account after removing it from my Equifax Credit Profile on or about XX/XX/2021. This despite XXXX XXXX  XXXX continually reports the XXXX account as an active current account that belongs to me. Equifax removed my XXXX XXXX  XXXX account on or about XX/XX/2021 and never provided a reason and refuses to investigate why the XXXX XXXX XXXX XXXX isn't reporting despite XXXX XXXX  XXXX reporting to XXXX and XXXX every month having recently updated on XX/XX/2021. At one time a representative told me she would " manually '' put my XXXX XXXX account back on my Equifax Profile and assured me it would start reporting by the end of XX/XX/2021. That never occurred and the account STILL isn't reporting on my Equifax Credit Profile. I personally think I'll just go away if they continue lying to me in hopes I'll just get tired of fighting them and their incompetence. I'm NOT going away.
Complaint sub-issue: Information belongs to someone else

Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " 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 FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 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 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor my addresses. Please remove them.
Complaint sub-issue: Information belongs to someone else

XXXX , AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, 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 {$22000.00}, 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:XXXX, 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, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, 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: Didn't receive enough information to verify debt

On XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$960.00} } and ( {$1400.00} ) on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA. 

Also on XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$1400.00} } on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is  attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX/XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted Equifax and XXXX to no avail. XXXX confirmed that the quit claim was signed in XX/XX/XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with Equifax.
Complaint sub-issue: Personal information incorrect

I have received and email from XXXX  on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX  Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XXXX of 2019 I decided it was time to start trying to pay my loans. I contacted Sallie Mae at that time and asked how I would make arrangements for a payment I could afford because I could not afford what I was told my estimated payment would be in the Exit Counseling for my school. 
When I called the first time they told me they could not make any changes until my account was past due ( which would not be until late XXXX ) and at that time my account would be sent to a team that would call me within 3 days of my account going past due to find out what was going on and why I didnt make the payment. They said pay what I can even if it is only {$50.00} the team that reaches out would take care of the rest and be able to go over options. 
After a day I felt like that couldnt be right. I researched a bit and found other consumers that had been told this online and they told me to call back and ask to talk to their solutions team ( thats not the exact name of the team I never spoke to the team as they dont seem to exist ). I called again and was told the same thing. 
Again I felt like this was not correct after a few days and called back 3 more times to try and get more information. I was panicking about what the potential payment would be. The due date came, I paid {$50.00} and no one called. 
I waited about a week before calling and told the women what I had been told ( 5 times at this point ) and she almost laughed and said no thats not how that works. I was transferred to someone that also went on to explain that no they do not have any kind of team that does that and its my fault that nothing was done before my payment was due and I needed to be an adult and take care of my own loans. 
I asked for help and again was told they would get back to me, never happened. I didnt get a call back until an account manager was assigned to my account. Since then I have been belittled, harassed and my explanations of why Im not able to afford the payment requested have been ignored and no options have been offered at all. 

They are now harassing myself, family members, and others that do not know me at all.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet
Complaint sub-issue: Was not notified of investigation status or results

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE