Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than XXXX business days, in accordance with FCRA 605B ( 15 U.S.C. 1681XXXX ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} REC XXXX XXXX XXXX Balance XXXX XXXX {$15000.00} REC XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} 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: Attempted to collect wrong amount

I received a negative report on my credit report. It was from Enhanced Recovery comapany. They represent XXXX. It states that it is a new account and has an open date XX/XX/2016. That is false and hurts my credit score. I have been with XXXX for the past 10 years. I would like for this to be removed from my credit report. I filed a dispute with XXXX but it came back as correct which it is not and is illegal. Can you please remove this information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because I wrote to equifax regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you
Complaint sub-issue: Didn't receive enough information to verify debt

CitiBank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Complaint sub-issue: Reporting company used your report improperly

XXXX and Lexisnexis could you please tell me how come two different credit reporting agencies are reporting two different court case file numbers on a public record bankruptcy! Lexisnexis on XXXX you certified to me and the CFPB that you had verified that that XXXX was the actually case file number! ( See your letter ) I disputed with XXXX they certified to me on XX/XX/2022 That you had verified that XXXX was the actually court case file. Please explain to me how can one XXXX  XXXX have two different court case file number? 
I have attached a copy of your letter and XXXX  report. Also review in fine print XXXX  lists you as the 3rd party vendor who claim you verified there dispute! I will be awaiting your response. 
Please remove this from your credit file and XXXX credit file due to the fact its no way again one court filing docket number can have two different case file! 
I do not believe that you conducted any investigations Please explain in great details as to how you are verifying two different court docket number for 1 XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX  debt and XXXX  and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a citi bank account package on XX/XX/XXXX and there was a promotional offer for this account package, which is depositing at least {$15000.00} and keeping them in the checking account for at least 60 days and I will receive {$400.00} as a bonus. I have met this deposit requirement on XX/XX/XXXX but I still haven't received the {$400.00} bonus.
Complaint sub-issue: Was not notified of investigation status or results

I disputed a medical collection negative account on my credit report. I wrote validation letters to the collection agency and the two credit bureaus that posted the negative items. The collection agency responded, but did not provide any validation info. One bureau removed the negative item after my letter dated XX/XX/2022. ( XXXX ) The other bureau did not. ( Equifax ) The account in question is listed below : COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX. {$300.00} STATUS DATE : XX/XX/2022 A second letter dated XX/XX/2022 to XXXX and Equifax to resolve this issue have not been answered. I appeal to you that if XXXX can not validate this alleged debt, then Equiax remove it immediately from my credit report. Thank you. 

best regards XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

ON XX/XX/2018 I received an email from my HR of a voluntary wage garnishment from XXXX XXXX- I have no loans or ever had business with this company. I have had identity theft in the past and have filled police reports and FTC affidavits proving my case. 


In the wage assessment sent to my employer, they claim I signed a contract online and that's all they needed to collect on this debt. 

The demand letter was sent by XXXX XXXX who is not licensed in the state of Washington.
Complaint sub-issue: Information is not mine

I have already filed a complaint against this, but it is still not resolved. 
The XXXX companies, XXXX XXXX and XXXX XXXX XXXX ( XXXX ) have both requested that the inquiries be removed from my credit report because they are a result of identity theft. Equifax refuses to remove the inquiries, even after I have disputed the inquiries multiple times. I have attached my denied dispute and highlighted the XXXX inquiries that have been requested to be removed.
Complaint sub-issue: Account information incorrect

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. 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 was the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$45.00}
Complaint sub-issue: Problem getting your free annual credit report

I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.
Complaint sub-issue: Information belongs to someone else

This is the 2nd complaint I have had with this issue with Equifax. When I called them directly they informed me they did not have my FTC report and once they received it then they would delete the information off of my report. They were provided a copy of my FTC Theft report and the information remained. I called them on XX/XX/2021 to inquire as to why they were not removed after I followed their directive. I spoke with XXXX ( XXXX ) and informed him of what I was instructed to do. He put me on hold for a minute and came back and informed me my report was invalid and the information wasn't deleted was because the inquiries did not have dates beside them. Once that was done then I needed to submit it again to CFPB and it would be taken care of within five ( 5 ) days. I informed him I didn't understand why since I did not have to do that with the other XXXX bureaus and I was not informed to do that when I called the last time. I also informed him I was sure the calls were recorded so he could check the accuracy of my statements. I informed him I would provide another FTC report and file ANOTHER complaint and upload it on the CFPB website. 
Again I have not had this issue with XXXX or XXXX. They have been extremely helpful in informing me the first time of everything that needed to be done.
Complaint sub-issue: Information is not mine

Upon being denied from a lender for " too many inquiries '' from my equifax report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are inquiries on my Equifax report that I DID NOT authorize and have no knowledge of. I contacted Experian immediately and was given no relief. I also have fraud alert in place now, which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.        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  is on my credit report twice on the same day   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX ,  XXXX
Complaint sub-issue: Problem making or receiving payments

I tried to get a loan from lendistry due to financial burdens due to covid and am in a desperate situation to receive money due to lack of funds. When trying to receive the money, I input my routing and account number for my bank at PNC. During the application process for receiving this loan, I could not continue due to a message stating verbatim " PNC has made a change that prevents you from being able to link your accounts. '' This is very frustrating, because I may not be able to receive the help I need due to a logistical error with PNC bank. Also, PNC bank has continually created hurdles from multiple ( literally over 10 ) attempts to receive assistance. They should be held accountable for their poor customer service and immoral, neglectful actions which have had a severe impact on my ability to provide for my family.
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXXXXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with Equifax, XXXX, and XXXX XXXX ; but XXXXXXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Complaint sub-issue: Their investigation did not fix an error on your report

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

There are inaccurate accounts and personal info on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have three revolving credit card account that have had a balance of XXXX dollars for three months and counting. Equifax has reported a balance on all three of these accounts which is a false claim. Equifax purposely reported the wrong information to keep my score low because of my race and geographic location. I have contacted all three credit agencies and all three lenders and verified the inaccuracies of Equifax to be false reporting. Each credit card account I have had for over 8 years as well. Equifax has reduced my credit score by 68 points on false claims of balances that don't exist on my profile. It is unjust for Equifax to be doing this to consumers because of the race and geographical location this is clearly ( systemic racism ) in a major way. The reason they keep doing it is because nobody has the money or the power to confront them on this.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX, I went to www.myfico.com to pull my credit reports before applying for an auto loan. I was able to pull all of them except Equifax because it said my information in their system didnt match. Ive never had that issue before and just thought it was a system glitch. The next day or so on XX/XX/XXXX I applied for an auto loan through XXXXXXXX XXXX XXXX Kentucky. They were able to pull my XXXX  and XXXX  scores but my Equifax file said no credit file found matching that info and the bank suspected fraud and denied my loan. I contacted Equifax on XX/XX/XXXX and was told there was some sort of internal hold on my file and that i needed to submit a copy of my drivers license along with a social security card or birth certificate and wait XXXX business days for it to be corrected. It has been almost 20 days and I nor any lender can access my credit file. This has caused me to be denied credit. I have called them and faxed information several times and NOBODY seems to know what the issue is. Every time they just keep saying send more documentation. This should be illegal for an agency to be paid to maintain a file on my financial history and I cant access it when I choose! When I get anyone on the phone they just give me the run around. Nobody is actually working on helping me figure out the issue. I am now in the process of figuring out how to take legal action. I have lost financing several times in the last few weeks because of this. I need serious help with this matter. Im literally on the phone with them as we speak and the agent hung up in my face.
Complaint sub-issue: Information belongs to someone else

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Complaint sub-issue: Account status incorrect

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX XXXX-Balance {$0.00} Collection : XXXX-Balance {$8300.00}
Complaint sub-issue: Trouble with how payments are being handled

Hello, For over 2 years, I have attempted to work with FedLoan Servicing to apply for the Public Service Loan Forgiveness program. They calculated my qualifying payments and I received notice on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXX required payments. Based on the information, I reached out and requested that I receive a month-by-month breakdown, starting in XXXX, to understand which payments I've made qualified and for the ones that were denied as qualifying, why they were denied. I never received that breakdown. 

I applied for forgiveness again in XXXX. I received notification on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXXXXXX required payments. The new statements showed that there have been XXXX  eligible payments made over the last 10+ years. Of those, XXXX payments have been determined as qualified. That leaves XXXX payments remaining before I reach the XXXX payments needed for the Public Service Loan Forgiveness program. I reached out and requested a breakdown of the XXXX payments that were eligible but determined not qualified, and have not received communication that I would receive that information. Based on last time though, I'm not confident I will ever receive that breakdown. 

Based on the information, my previous employment, and the number of payments I've made over the last several years, I'm confident I qualify for the Public Service Loan Forgiveness program and am not receiving the information I need from FedLoan Servicing to validate this. Any assistance you can provide would be most appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggle, medical issues, and mental anguish. I have since sustained further emotional and psychological damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) *XXXX XXXX  # # # # # # XXXX *XXXX XXXX XXXX XXXX XXXX {$9300.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX  XXXX {$250.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} *XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX Inquiry *XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX INQUIRY XXXX XXXX XXXX  via XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY *XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX STO via XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX