Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have call lexis nexis they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies
Complaint sub-issue: Problem accessing account

On XX/XX/12 I sent a complaint about Citi Bank ( ID XXXX ). 

Per the Citi Bank account 's response, I waited to receive a reference number to my address on file, but no such number every was received ( I have received my Citi debit card and account checks to the address ). In addition, after reflecting sending two forms of ID over the mail is not a safe or fair request as sending ID by mail creates an unnecessary identify theft risk.

As of now Citi bank has still not given me access to my funds or a reasonable and safe pathway.
Complaint sub-issue: Information belongs to someone else

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from equifax and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to equifax exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Equifax to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to her that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Equifax. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Equifax be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.
Complaint sub-issue: Frequent or repeated calls

A representative called me and did not disclose the company name when I asked specifically and repeatedly to know what company was calling me.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX SXXXX 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Personal information

Equifax believes I am dead. About 10 years ago I started the onerous process of trying to get their misinformation corrected. I was not successful. I 've just been turned down for a loan because the lender uses Equifax, exclusively. I would like to see this problem corrected. The other XXXX credit reporting agencies give me an A+ rating.
Complaint sub-issue: Investigation took more than 30 days

HELLO, ON MONDAY XXXX XXXX 2017 I SENT A DISPUTE TO EQUIFAX. 
ON XXXX XXXX 2017 EQUIFAX RECIEVED THE LETTERS VIA CERTIFIED MAIL. 
TODAY IS XXXX XXXX 2017 AND YET THEY HAVE NOT RESPONDED TO MY DISPUTE OR HAVE INVESTIGATED. I HAVE CALLED THEM PERSONALLY AND HAVE BEEN ON HOLD OVER 1 HOUR AND THE CUSTOMER SERVICE AGENT STILL HAS YET TO ''SPEAK TO ME ''. SHE ANSWERED AND PUT ME ON HOLD AGAIN FOR 45 MINUTES AFTER AND NEVER PICKED UP THE PHONE. I WAS PLACE ON HOLD FOR OVER 2 HOURS AND THEY NEVER CAME BACK ON THE LINE TO HELP ME RESOLVE THE MANNER. THEY ARE NOT HELPING ME. THEY HAVE VIOLATED THE FEDERAL LAW AND HAVE SHOWN ME BAD FAITH AND ABANDONED ME.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The person that ERC keeps trying to collect on is not me; it's someone name XXXX XXXX. I don't know a XXXX XXXX. I have had the same cell number for 18 years. I'm not related to nor have I ever dated a XXXX XXXX. They have called me three times a day for over three weeks. I have asked,  demanded, and even called back after speaking to have them to stop calling me. I've had nasty toned things said to me along with  being hung up on. They start calling me early morning and will continue through early evening. I just want some peace.
Complaint sub-issue: Personal information incorrect

I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX   XXXX XXXX, XXXX FL XXXX Please remove it
Complaint sub-issue: Information belongs to someone else

I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for XXXX XXXX from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and now in XXXX XXXX on board XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. Equifax and XXXX will not let me report this fraud or activate a freeze without buying a product.
Complaint sub-issue: Frequent or repeated calls

Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times.
Complaint sub-issue: Account information incorrect

Discover credit card has a voluntary closed account shown on my credit report as an active credit card balance which is affecting my credit usage and is showing a usage of 80 % on my credit report. Before my Discover credit card was closed years ago, my credit limit was {$7000.00} and I was placed on a hardship payment plan of $ 65 monthly and Discover informed me that the account will not be listed on my credit report. The Discover account is also not listed on my XXXX XXXX XXXX credit report.
Complaint sub-issue: Right to dispute notice not received

I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date.
Complaint sub-issue: Was not notified of investigation status or results

THIS IS MY SECOND TIME WRITING YOU GUYS. I NEVER GOT A REPONSE THE FIRST TIME I SENT OUT MY LETTERS. WHICH IS VIOLATION I AM HERE SENDING MY COMPLAINT. TO WHOM THIS MAY CONCERN Pursuant to 15 usc 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indusrectly by the issuer of a credit card of similar device " Should be exlcuded form a consumer report. The definition of a credit card under 15 usc 1681 is the same as it under 15 usc 1602 ( i ) which is " the term ' credit card '' means any card, plate, coupon book or other credit device exisiting for the purpose of obtaining, money, propery, labor, or sevices on credit ''. Notice, congress said ANy card. The credit card is my social secuirty card. This is the credit card i used to orginate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( b ). I am demanding that you remove these Transeactions from my report immediatly as they are a violation of my rights as a fedraaly protected consumer under title 15 chapter XXXX. 

I know that I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. You are committing idenity theft i never gave you permission.
Complaint sub-issue: Public record information inaccurate

I have repeatedly sent request to XXXX, XXXX and Equifax that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.
Complaint sub-issue: Public record

I 'm making a complaint against Equifax for their negligence is not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records US DIST CT XXXX- I 'm proving the proof that you have a date that does NOT exist reporting on this bankruptcy! You have XXXX/XXXX/XXXX listed as the open date - I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA. In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
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 a 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 consent.
Complaint sub-issue: Need information about your loan balance or loan terms

I am currently enrolled in the Public Service Loan Forgiveness Program and am two years away from fulfilling a ten-year agreement. I need written confirmation from my loan holder that I am PROPERLY enrolled in the program, and that the loans I have under the plan ARE eligible for forgiveness. I have spoken with them repeatedly over the years and only received verbal assurances that I am properly enrolled and on track, but I want written confirmation to protect myself in two years when I should be done with this debt. 

99 % of people who are enrolled in the PSLFP are rejected after fulfilling their obligation because a loan provider either mislead them regarding their eligibility, or just outright lied. I need written confirmation from FedLoan that I AM properly enrolled, on track to fulfill my obligation, and that they will NOT reject my loan forgiveness after a solid decade of payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed disputes with XXXX for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. XXXX has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that XXXX should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy Chapter13-petition filed Original filing date : XXXX XXXX, XXXX Latest status date : XXXX XXXX, XXXX US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is XXXX validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.XXXX is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX but allowing them to update an account that is charged off with dates that don't make sense or add up. XXXX is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but XXXX is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX is not included. This misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.
Complaint sub-issue: Information belongs to someone else

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.