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

I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Please supply information on how you have verified this item. 

XXXX Account Number : XXXX XXXX, XXXX & XXXX Account Number : XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections if the following item is not properly verified by the ORIGINAL CREDITOR ( WHICH BY LAW IS ME ) then i demand for it to be deleted from my Credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1. There is a hard inquiry on my credit from a company named " XXXX ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " Factual Data ' on XX/XX/2019 XXXX
Complaint sub-issue: Received bad information about your loan

I attended XXXX XXXX in XXXX and they shut down before we could graduate. I read that the loans were being forgiven. I clearly fall in the category to get this loan forgiven and would like to move forward with getting this taken off. Also id like to know how do I get my money back for the portion of the loan that I've paid on already. Any helpful information will be appreciated. Please and thank you.
Complaint sub-issue: Debt was result of identity theft

I believe a Best Buy credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : OXXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting account # XXXX has violated my rights. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX account # XXXX and do not have a contract with XXXX. They have repeatedly failed to provide me with the original application like I've requested. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C. These accounts above has caused significant damages. 15 U.S.C 1681 Section B. states that anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I received a text message from Discover Card, asking if I had recently made a {$1.00} charge at a XXXX station. Since I mad no such charge, I immediately called Discovers Fraud Department to inform them that no such charge was made by me. During the conversation, eight fraudulent charges totaling {$400.00} were identified. The representative stated that my card would be canceled to prevent further fraudulent charges and a new card would issued. Additionally, the representative stated that I would not be liable for the fraudulent charges and they would be removed from my account.

During my online review of current activity for my account, I noticed that Discover had reposted these fraudulent transactions to my account. On XX/XX/XXXX, I called Discovers Customer Service Department, asking why the fraudulent charges were transferred to the new account. The representative stated that the error would be corrected and the fraudulent charges would be removed within the next few business days. On XX/XX/XXXX, I received two emails from Discover Customer Service, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I received an additional five emails, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I once again checked online to see if the fraudulent charges had been removed. Once again, the fraudulent charges were still on my account! I sent a secured email through Discovers website, asking why these fraudulent charges had not been removed from my account. On XX/XX/XXXX,  all I received from Discover was a canned response thanking me for my letter and asking me to call a security specialist at another number for assistance. 

Given that Ive already received the runaround from Discover THREE times, I have no intention of going through this nonsense for a fourth time and am now contacting the CFPB for assistance and resolution since Discover has proven their incompetence in properly resolving this matter.
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, Equifax has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Complaint sub-issue: Account status incorrect

I entered into a COVID-19 forbearance plan with LoanCare in XXXX of 2020. At the time of the plan, my account was less than 30 days current. Per the CARES Act, the servicer is forbidden to report my account as delinquent if I was current entering the plan. We sold the property in the beginning of XXXX while I was still on the plan. My XXXX credit report is now showing this as paid off, but is showing account status as over 120 days past due which is not the case.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent the dispute into this company and I have already filed a complaint through the CFPB pertaining to this matter. Please look into complaint XXXX-XXXX  i attached the proper identifying documents. This is the exact same info that is on my credit report. If they are refusing to investgate after all this time who do I turn to? What is the CFPB job or power in this matter? They are refusing to accept my dispute They are being very uncooperative and they are blatantly ignoring my cries for help. I dont know is it because Im a XXXX  man or if its because im from Texas. Or what. But I have sent these letters out to them on several occasions and they are refusing to respond. When I called they told me that they received the letter but still no response. there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Their investigation did not fix an error on your report

I've been contacting Equifax since XX/XX/2021 about unauthorized inquiries on my report. I was told they are not able to remove these inquiries over the telephone without a FTC report or a police report. I then sent in my FTC report and as it's widely known ; an FTC report can not only have XXXX inquires listed at a time, BUT on the site where the FTC report is located, IT clearly states that you can add additional Inquiries in your personal statement if need be. I myself have done this and sent the letter in to all credit bureaus including Equifax and was told ONLY BY EQUIFAX that they can not accept my FTC report because its not filled out correctly when indeed it is. They are also well known to report false information on consumers behalf. I've also sent letters asking for proof that said inquiries belong to me & followed up with a 30 day notice to comply. And both times was denied any explanation. These inquiries have impacted me negatively in the past and present and I ask that they be removed expeditiously!
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/2022 - XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  ACCOUNTS : - XXXX  Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # XXXX - XXXX  XXXX Account # XXXX 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

I had  XXXX  auto loans with  XXXX  and was late  XXXX  x for 20 days on  XXXX  xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to   XXXX    and concluded info is correct yet when i call  XXXX , they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Complaint sub-issue: Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Received bad information about your loan

Every year when I re-certify my XXXX XXXX for PSLF with XXXX XXXX, they get the payment count wrong. This year was the same. On XX/XX/XXXX my PSLF XXXX XXXX was re-certified, and they told me I have 60 qualifying payments for one group of loans, and 59 for another. These loans are consolidated and should both show 60 qualifying payments. It is under review, but they can not provide a time frame for when I can expect the number to be corrected. It should not take so much effort on the part of the borrower to keep tabs on XXXX XXXX to do their job correctly and provide correct payment counts. Since they became my servicer several years ago I have spent many hours on the phone with them, emailing them, and carefully documenting everything to keep everything on track. The poor quality of their service is unacceptable.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

In or around XXXX of 2020, I disputed a charge in the amount of {$200.00} from XXXX  XXXX XXXX XXXX  with Citi as a result of the merchant refusing to accept the return of a product that they sold to me incorrectly. Apparently, the representative that I spoke with did not initiate the dispute ( which I believe was a direct result of a language barrier ) and I had to refile the dispute which was out of the dispute timeframe. As a result, Citi did not conduct the dispute accordingly.
Complaint sub-issue: Didn't receive notice of right to dispute

The orginal creditor was XXXX  XXXX XXXX and because my bill was never the same amount but usage was and I was being overcharged for items I hadn't used I switched my cellphone carrier. I had a bundle also with internet. After getting nowhere with my billing I contacted the FCC who was able to get them to reduce my bill and unlock my equipment. I then began paying my balance owed. I then received a collection notice months later for the initial amount of XXXX ( XX/XX/XXXX ) but I had gotten it down to XXXX ( XX/XX/XXXX ) at that time. I was confused about who to pay at that point, I called and spoke with various people who either claimed not to be able to pull the account information to referring to the person who handled the FCC dispute. She advised she was unable to help because it was now a collections matter. XXXX  customer service offered no solutions either but to pay them. The first collection agency XXXX XXXX was notified in writing requesting them to be aware that the balance was incorrect and I was interested in resolving the issue. They never called nor wrote me in the regard they just changed the balance owed to {$250.00}. 

As of XX/XX/XXXX XXXX XXXX removed the item. It is now currently showing as an item under IC System, however, they have never called nor written me in the regard of resolving the issue. Further, I have no information on this company and nothing is showing on my report by way of an address or number to contact them. I also dont feel safe paying them without written correspondence nor a way of knowing that this will close and resolve the matter. I'm also not confident that if I pay them it will result in the matter being closed nor do I know if the item will be passed on to another company!! Its really awful how these companies just sell your information, never try to resolve the issue even when you reach out to them.The consumers are in a bad position because it takes so much to rectify and on multiple accounts. I appreciate your services!
Complaint sub-issue: Information belongs to someone else

I logged onto my XXXX account today & saw there was a XXXX  XXXX account listed on my page. I have never had an XXXX  XXXX account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX  & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!
Complaint sub-issue: Account status incorrect

I have reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously disputed a XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX  not remove this account from my Equifax credit reports. See attached
Complaint sub-issue: Account status incorrect

I called the the XXXX Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

After viewing my credit report I found items that I have never applied for credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  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 I also have some inquiries on my credit report that I didn't authorized and unaware of.
Complaint sub-issue: Information belongs to someone else

these accounts are fraud and they should not be on my credit
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, Citibank responded to my complaint that I filed with CFPB under complaint # XXXX. The company responded with the following : " A letter will be sent to the customer advising that the inquiries dated XX/XX/XXXX were changed to non-display inquiries. We explained that non-display inquiries are viewable to her but not to other creditors. '' Citibank never sent me a letter and this company never changed the two inquiries from hard to soft inquiries. Creditors can still view these inquiries.
Complaint sub-issue: Personal information incorrect

I have addresses on my report that doesn't belong to me, and my name is also spelled incorrectly. This is inaccurate and its hurting m ability to get credit.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Complaint sub-issue: Debt is not yours

Amerifinancial Solutions of XXXX MD has been harassing me for over 6 months with repetitive calls from many different numbers. This was a debt created by identity theft. During the pandemic someone had opened bank accounts in my name, stole my unemployment by applying and receiving it all then i was unable to use the benefit and they obtained XXXX XXXX  attention and now this company has harassed me relentlessly and its causing me XXXX. This is not my debt, I even had a police report created for ID theft of unemployment bank account and other services.