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

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate. 

Why do I need to have them update when the bureaus should do the investigating? 

Next, I have called the companies and have sent letter already attempting to verify the information. 

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 instructions.
Complaint sub-issue: Received bad information about your loan

Good morning! 

My PSLF information was added to my Mohela account today but my last 2 consolidation loans are missing the 24 ineligible payments that should have transferred with the PSLF waiver. Loans 1-4 all have 24 ineligible payments and my loans 5 and 6 show 0 ineligible payments. The PSLF waiver states that all payments should transfer over to consolidated loans. This is important because I expect for these payment to count when the IDR waiver is applied. I do not want these to become hanging loans when my new Employment Certification Form is applied.

Please help! 
XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXXXXXX XXXX with account number XXXX. It says the original creditor was XXXX XXXX Bank. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!
Complaint sub-issue: Information belongs to someone else

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times.

I demand the inquires below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to process these inquiries : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX  XXXX ( XX/XX/2022 )
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Equifax, According to the Fair Credit Reporting Section XXXX ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. However, you did not provide proper verification the last time I requested this verification. You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card P Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX is defaming my character by obtaining my information and furnishing it without my permission
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX  XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX  XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.
Complaint sub-issue: Debt is not yours

I received a call on XX/XX/18 regarding a medical bill, for my daughter, for services rendered in Florida ( I am a SC resident ) on XX/XX/18. The company, NPAS, claimed that I owed an undisclosed amount on said bill. I asked a few questions about when the bill was sent and what address was on file. Note, I had the bill from the hospital in my hand, stating that after XXXX paid their portion all I owed was {$39.00}, which has been paid. When she finally told me that a bill had been sent in XXXX to my address, I asked her what name was on the bill. She went on to inform me that the responsible party had been updated in XXXX. If that be the case, how did I get a bill in XXXX ... she couldnt answer me. So with that being said, I asked, if a bill had been sent to MY address in XXXX, but my name hadnt been updated until XX/XX/XXXX, how was I to know that it was for me? I told her had I opened mail not addressed to me, it could be considered mail tampering. She agreed and said that she shreds or will return to sender any mail she receives personally like such. She was advised that I never signed for treatment due to me being 700 miles away, and that this account needs to be researched further. She said she would open an investigation. I have the whole conversation recorded for my records.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, My Citibank credit card was charged {$290.00} on XX/XX/XXXX by an Internet merchant named SP XXXX XXXX XXXX. I notified Citi on XX/XX/XXXX this transaction was unauthorized. On XX/XX/XXXX, Citi provided documentation from the merchant alleging merchandise was shipped to my home address and the transaction was deemed valid and applied to my account. I assured Citi I neither ordered from this merchant, nor received any merchandise. Also, the email address on the order is unknown to me ( XXXX ) and the IP address indicated the transaction was from Michigan. I was nowhere close to Michigan. I reassert I did not participate in this transaction nor did I authorize anyone. I urged Citi to obtain the carrier information to support my claim. Are you able to assist as I believe the merchant has falsified documentation in order to avoid a chargeback?
Complaint sub-issue: Account information incorrect

Contacted my lender to ask them why they had stoped AutoDraft with my bank on my mortgage payment which Ive had turned on for the last 5 years, my lender tells me that they looked at some public records and saw that my wife was filing for bankruptcy which is totally inaccurate. My wife has never filed for any type of bankruptcy ever. However, my daughter who have the same name as my wife but shes a Jr. is the person filing for bankruptcy so after I clarified this information with my lender, indeed lender admitted to me that they had made an error on reporting inaccurate information so I asked them to fix the issue and they suggested I file a dispute with the 3 credit bureaus assuring me a faster response through them to fix this error which I did I started a dispute with the 3 credit bureaus but 3 weeks later my lender fought this information against me stating that the information the have is accurate and wont fix their own error even though they admitted to me their error over the phone.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Complaint sub-issue: Public record information inaccurate

On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ally Financial is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

I did a dispute of inaccurate information that is reported on my credit file. On XX/XX/XXXX, XXXX XXXX Account number XXXX was listed on my credit file. I disputed and it was under investigation. After investigation, Equifax removed it from my file on or around XX/XX/XXXX. On XX/XX/XXXX Equifax placed it back on my credit file. This needs to be removed immediately from my file. I have attached proof.
Complaint sub-issue: Can't get flexible payment options

I have asked numerous times for help from Sallie Mae and continuously they have done nothing but offer forbearance I finally caught back up and again ended up falling behind. Today I received a call from their corprate bank asking to help resolve the issue. After several times of being cut off from speak the lady only repeated that they have given me the loan and now I need to pay them back. When I ask for options and help she instead of offering help from the company told me to ask my friends and family for money and told me to try filing for wellfare and food stamps. They refuse to offer me anything because my loan is so small. And said all they could do is come down a dollar on my loan.
Complaint sub-issue: Information belongs to someone else

I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX
Complaint sub-issue: Billing dispute for services

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I ordered a product and opted in for biweekly payments to be debited from my cashapp card, the company did not provide the product that I paid for and I would like my 2 payments that was taken off my card returned, I have tried to contact cashapp but there is no proper channel to resolve the issue, the company named XXXX took ( 2 ) {$67.00} payments from my card and they refuse to provide the product or refund my money.
Complaint sub-issue: Problem using a debit or ATM card

I WANT MY MONEY BACK I HAVE BEEN WAITING 5 MONTHS I HAVE MADE POLICE REPORTS BUT THE WAY THE CAMERA WAS POINTED DID CATCH THE THIEF.SO THEY COULD NOT CHARGE NOBODY.
Complaint sub-issue: Attempted to collect wrong amount

Furniture was leased with XXXX XXXXXXXX, advised me that i now owe 3 times what the furniture initially costs, even though payments have been made.
Complaint sub-issue: Other problem getting your report or credit score

I tried to get a loan and received a score from the other XXXX Credit Bureaus. However I was told that Equifax had a flag on my account. I have tried to talk to a representative multiple times and have not been able to clear up this issue. I need to be told what to do to clear the flag and move forward with getting a credit score at Equifax. This issue needs to be resolved ASAP so that I can move forward with buying a new home.
Complaint sub-issue: Information belongs to someone else

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 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 ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. Pursuant to OCGA 9-3-24 this account has also reached its statute of limitations on debt in Georgia and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY 4. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

Key Bank allowed mortgage information extended to vendor XXXX XXXX. Personal information was compromised. They sent notice of vendor security incident letters to me and my wife. We are supposed to get two years of XXXXXXXX XXXX XXXX free. The only way we are being allowed to get this monitoring is if I have a smart phone which I do not. I informed them of this and reiterated they should allow me to get this credit monitoring through my email address. so far after saying they would address it and the end of XX/XX/2022 they have ignored me.
Complaint sub-issue: Debt is not yours

i received an alert on my XXXX, XXXX & XXXX  credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX account 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.