Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have reached out several times to AmeriCollect regarding the accounts that have listed as delinquent on my credit report. They have not responded to any of my attempts.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove XXXX fraudulent hard inquiries to my credit report from XXXX Bank, dated XX/XX/22. I am the victim of identity theft and these inquiries are not mine! I have have filed multiple disputes with Equifax regarding this, and most recently they only took 1 day to " investigate '' before affirming that they believe the fraudulent inquiries were indeed factual. I have also reached out to XXXX and been told they have already contacted the reporting bureaus to have this information fixed. I kindly request Equifax actually " investigate '' my file and have these fraudulent applications removed from my report. I tried contacting Equifax via phone at ( XXXX ) XXXX this morning ( XX/XX/22 ) however was only able to reach an automated system, with no option to talk to an actual human about my disputes.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXXn has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its Citibank they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair
Complaint sub-issue: Problem with personal statement of dispute

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax regarding the bankruptcy shown on my Equifax credit report. I received Equifax 's dispute result as of XX/XX/2018, confirmation # XXXX. The Equifax response was that the " Consumer 's dispute not specific '' and that Equifax used a third party vendor called XXXX to verify the bankruptcy information. Regarding the " Consumer 's dispute not specific '', this is a FALSE statement. With my dispute submission, I included a letter specifically identifying 6 different discrepancies regarding the bankruptcy along with 2 supporting documents. The most disturbing item from Equifax 's result is the fact that Equifax states they used a third-party vendor called XXXX to verify the bankruptcy. This is a major problem because I have obtained an official letter from the U.S. Bankruptcy Court that  SPECIFICALLY states that they DO NOT report ANY information to XXXX. I have uploaded the U.S. Court letter and the Equifax response from the dispute.
Complaint sub-issue: Trouble with how payments are handled

My daughter is not able to pay on loans that Discover claims that we ( my husband and I ) cosigned with XXXX and were then purchased by Discover. I have contacted XXXX, and they can not help me other than to state that it was once very easy for the student to respond to an email and you were then the cosigner, but steps have been taken in the past five or more years to ensure that the cosigner does know and is willingly cosigning. There is no evidence of our signatures on any documentation, only the printed words " electronically signed ''. 

My daughter defaulted on XXXX loans for which my husband is listed as the cosigner, which is ruining his credit, and we were never notified. We found out after it was already in default because of a credit check. Discover claims that they did not have to notify him because telling the cosigner is " only a courtesy '' and they are not required to do so. 

My daughter admits that she just responded to an email that listed us as the cosigner but did n't realize that she was doing anything wrong because she was following XXXX 's instruction. She does not make enough money to pay back her loans and still survive ( XXXX a month payments on XXXX loans ) and Discover does not consolidate. She tried to consolidate them through a bank but because of the default no one will help her and every time a bank runs an inquiry her score drops even further. 

No one will help us. I 'm being forced to make the payments on the XXXX loans where I am listed as cosigner just to keep decent credit. Discover has a policy that if six payments are made on time that the cosigner can be released, but only if the student has good credit, and that is likely not going to happen quickly. No one at Discover will even talk to my husband about the XXXX loans that defaulted. They can ruin his credit but not talk to him. It 's ridiculous.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 the consumer sent XXXX XXXX a cease and desist pursuant 15USC1692c. Preferred lease has already been paid for the alleged debt. Plus extra monetary. The company replied to complaint # XXXX. Pursuant 15USC1692b The consumer never gave perferred lease written permission to communicate with the consumer or access the consumer report. The Consumer is still being harassed by email and text messages willfully regards to what the federal consumer law says. Preferred Lease is still invading the consumer privacy. Today a default and opportunity to cure was sent to the debt collection company certified mail with return receipt The company still has not responded under perjury and penalty. We hope this matter can come to a resolution soon. 
Thank you,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX and Account # 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: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Personal information incorrect

Multiple addresses on credit report, I verified my current and only address, for all others are undeliverable and must be removed as per FCRA. Mailed in copy of state issued driver license, and bank statement with my current and ONLY address. All three credit bureaus still have multiple addresses on my credit report and all 3 have different addresses? 
Many of these addresses, I have not lived there? Furthermore there are 23 different XXXX XXXX that resides in a 50 miles radius here in XXXX, Tx. 
! I have ONE social security number, ONE drivers license, ONE address, ONE birth certificate, everything matches??! Why do I have multiple ADDRESSES on my credit report?, you can only claim ONE address for your place of residence in Texas its the LAW. My credit report is no different? I have mailed ( certified ) letters to all 3 bureaus and they still refuse to correct these fraudulent errors, on my credit report, my next course of action is to file a lawsuit in small claims court against all 3 bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax does not properly investigate disputes I have requested. The allow companies to just print a statement for validation instead of providing PROPER validation.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX Account found in attached documents has violated my rights.

15U.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 account without my written instructions
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX2022 ; XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 ; XXXX XXXX/2022 XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022.
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/20XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : EXXXX XXXX XXXXXXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Fair Collections and Out Account # 4390338, 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: Card company isn't resolving a dispute about a purchase or transfer

I have over XXXX XXXX on my account and I have faxed in my info to get a id protection removed and it was never removed and all I get from The company is wait.
Complaint sub-issue: Information is missing that should be on the report

I sent you letter by certified mail, but you failed to remove accounts from my credit report that are unverifiable I'd informed you already they are not linked to any of my address, so how are they verified? You have neglected to remove and delete the items that I have disputed from my report, lists of the accounts are shown below. You should comply since XXXX did.
Complaint sub-issue: Problem using a debit or ATM card

I tried to reach Citi bank XXXX, XXXX on XX/XX/2021 7 times to make a report about 6 fraudulent debit transactions from my Citi checking account and my identity was verified 5 times ( by XXXX, by XXXX from fraud department and then I was either promised that fraud repreresentative/investigatior would call me back within 1-2 hours or when keep calling, Citibank fraud department dropped XXXXy phone calls after asking to stay online 2-3 min. I was staying XXXX and more minutes and they dropped my phone calls. I am a victim of identity theft, and a result a victim of 6 fraudulent debit transactions from my Citi checking account in total {$12000.00}. The Citibank is not cooperation from the very first moment to help me to establish a fraud clam and to get a claim number. I will fill out, sign and notarize Citi bank Security Affidavit and mail to Citibank Head Office in XXXX XXXX, TX and to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
Please help.
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, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

I currently get my private loans through XXXX. I got these loans when I started my 2nd year of college. At the time, I figured it was the best option for me to help me get through my years at school since I wasn't getting enough through XXXX and wasn't getting help from my parents. I graduated in XXXX of XXXX. In XXXX of XXXX, I was suddenly hit with a big amount of money that I was suppose to pay monthly that I was not going to be able to pay. I was able to bring it down at the time to {$490.00}. By XXXX of XXXX, it had gone up to {$500.00}. XX/XX/XXXX thru XX/XX/XXXX I was paying {$500.00}. When a year had gone by, the amount jumped and I was paying {$660.00}. As of right now, I am paying {$670.00} a MONTH ( its slowly going up each month )! I tried calling and asking for a way to make my payments easier for me to pay and they said there was nothing they could do except get me in forbearance, which for me was NOT an option that I wanted nor did I agree with. I am literally using a single paycheck to pay for this loan. Three of my loans interest rates are 11 % and the lowest one being 7.1 %. The other two are at 9 %. I am to the point where I am not going to be able to afford daily life because this loan is taking half of what I make from one job a month. ( This isn't the only loan payment I pay, but I haven't had issues with Federal Loans at the moment ).