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

I have not received a reply from Equifax as of today XX/XX/XXXX per my complaint filed with cfpb on XX/XX/XXXX. Also upon further personal investigation I have learned directl from XXXX XXXX that Ive been opted out of there system since XX/XX/XXXX. FULL OPT OUT. Meaning no one gets my information not even telemarketers. Therefore how was Equifax able to get any information on me from XXXX and per Equifax reporting date it says XX/XX/XXXX. Also why will Equifax not provide me with detailed verification information as to who they spoke with at XXXX, the method of verification, the day any time of the verification so that I may be able to check behind them myself without having to file suit against them being that this is my 4th request for this information
Complaint sub-issue: Information belongs to someone else

ftc violation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ftc file # XXXX
Complaint sub-issue: Information belongs to someone else

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Collection item appeared on credit report on XXXX, XXXX, and XXXX for over {$5000.00}. I do not owe anything and no communication attempt has been made by the collection agency or alleged debtor.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Luckmore Finance Corporation has ran several hard inquiries unlawfully from one or more credit bureaus. I have never solicited services or had any contact with is organization.
Complaint sub-issue: Problem getting your free annual credit report

on XX/XX/18 at XXXX I tried to get my credit scores from XXXX XXXX and equifax. 
XXXX XXXX link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined. 
equifax website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ). 

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
Complaint sub-issue: Information belongs to someone else

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/XXXX at XXXX EST I received a call from D2 Management Collections Firm from number XXXX the woman stated she was calling about a debt from XXXX. I asked what date and she became audibly annoyed and said XXXX. I disputed the validity and asked what specific date and she said XXXX, XXXX, XXXX and then she said " SIR, we've talked to you about this before '' I said, " When did you talk to me? '' Concerned that my identity had been stolen because I've never spoken to this company and she said " You just need to stop asking questions and PAY YOUR DEBT! '' then she hung up on me. 
Confused by the treatment I called back at XXXX and was hung up on. I called back at XXXX and was hung up on. I called back at XXXX and asked the person who answered the phone to please not hang up on me that I need to speak with a manager. I was transferred to XXXX and I explained what happened, he said he would look into it. I asked that he pull the recordings so they are available to the CFPB because there was absolutely no warrant for the way I was treated and abused. Additionally, she legally could not demand I pay after I disputed the debt. The company 's other employees perpetuated the harassment by hanging up on me. It was so shocking and confusing WHY I was being treated this way for asking questions.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet is servicing my XXXX Loans for me and my school is XXXX XXXX XXXX XXXX ; they are not awarding my aid or applying my loans to my student account to pay for my tuition and fee 's in a timely manner. XXXX has Online XXXX Students wait 3 weeks into a 10 week term before loans are applied to account balances and student 's refunded the difference. In total it is a 21 day process with the term being well into session but we are unable to access our funds and use them toward educational expenses. XXXX does not make their onsite campus students wait 21 days to access their federal student aid and loans, this causes a hardship on the XXXX XXXX XXXX who is an adult and don't live in a dorm. The school says its the lender and the lender and XXXX says it is the school 's policy. I am unsure but I do know it is inequality and unjust and I will keep complaining until we online graduate students are not penalized for being professional students.
Complaint sub-issue: Banking errors

U.S. BANK DEEMED TO BE ACCEPTING FRAUD ACTIVITY WITH OUR CHECKING ACCOUNT. BY WAY OF ACCEPTING OR REINSERTING PAST AND PRESENT DEBITS TRANSACTION. WHICH CAUSING OUR ACCOUNTTO BECOME LOW SO FAST, WITHOUT AN EXPLICITY DETAILS TO US WHAT THIS AND THAT WITHDRAWAL, ETC. I HAVE NOTICE IT, BY RECOGNIZING OUR OWN FINANCIAL ACTIVITY VS COMPARING TO PRINT-OUT STATEMENTS I'VE ASKED FOR AT THE BANK COUNTER. I HAVE NOTICED SEVERAL OF FINANCIAL TRANSACTION I COULD NOT RECOGNIZED. BECAUSE I AM THE ONLY ONE DOING IT, AND NOT MY WIFE..AS BANK WORKERS TRYING TO SAY, MY WIFE MIGHT HAVE DONE SOME OF IT. MAKES ME WORRY ABOUT THEIR ASSUMPTION FOREMOST. SOUND SO EXPERIENCING WITH THEIR ASSUMPTION OF DOING SO PERHAPS. IT STARTED AFTER I CHANGED MY CARD NUMBER ENDING XXXX, AND XXXX, NOW I HAVE MOST RECENT ONE ENDING XXXX I AM SERIOUSLY CONCERNED ABOUT FINANCIAL MANIPULATION BANK WORKERS ARE DOING TO OUR ACCOUNT REASON WHY IT GONE TO LOW SO FAST ... .WHICH I NEVER HAVE THIS PROBLEMS BEFORE, EVER. SOMEONE OUT THERE IS STEALING OUR ACCOUNT PROFESSIONALLY WE ALSO DISCOVERED FINANCIAL SHORTAGE TO OUR ACCOUNT SUBTRACTING BALANCES FROM ACTUAL BALANCE. THIS TYPE OF ACTIVITY MUST RECOGNIZED, AND HAVE SUCH INDIVIDUAL PLACE UNDER ARREST FOR LAW VIOLATION. I SHALL SAY. ALSO ; XXXX AND XXXX DEBIT OUR ACCOUNT ... .WITHOUT OUR CONSENT. DOES CONCERNED US BIG TIME, THAT U.S. BANK WOKERS ARE AUTHORIZING THIS BY WAY OF " NEPOTISM, FAVORITISM, AND CRONYISM '' FOR SURE WITHOUT NOTIFYING ME FIRST. BECAUSE, I'VE TOLD THESE BUSINESSES ; THAT WE DO NOT ACCEPT " ON LINE PAYMENT '' AT ALL WHATSOEVER ... U.S. BANK STATEMENT PRINT-OUT AND MONTHLY STATEMENT ARE TOTALLY DIFFERENT BECAUSE ACTIVITY FROM MONTHS OR SO BEHIND ARE STILL EXIST 3 MONTHS AFTER ALL. SOMETHING REALLY DEVIOUS TOWARD FRAUDULENT ACTIVITY LEGITIMATELY.FRAUDS DEEMED TOBE FROM XX/XX/XXXX, ALL THE WAY THROUGH XX/XX/XXXX.. THANK YOU FOR ANY HELP. SINCERELY
Complaint sub-issue: Reporting company used your report improperly

I am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy list on my consumer file. According to my consumer file and your website, all assumed public record source is the federal court and XXXX XXXX. 

I contacted the Federal Court and received a letter from the clerk that the Federal courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( XXXX ) -Procedure in case of disputed accuracy section XXXX Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.
Complaint sub-issue: Account status incorrect

On XX/XX/19 Autotrakk Llc was provided written notice of dispute regarding a repossession being reported inaccurately on my credit file via certified USPS mail. I challenged Autotrakk to provide the proper notices to cure for the said repossession and their ability to report this debt on my credit file. After the repo i was never provided any notice to cure, i did not receive any notice of where the vehicle was being sold or where i may purchase the vehicle back, nor was i sent a deficiency notice. these are all violations of state and federal laws including the FDCPA and the FCRA as well as RISA and XXXX. South Carolina law UCC section35-5-111 and 110 also states that deficiency can not be claimed unless all of the required notices were properly and timely given and all allowable cure time limits were adhered to. 
Autotrakk was given 14 days to provide these notices or delete this inaccurate information from my credit file. they have failed to provide these notices and have yet to delete this from my credit file i demand immediate removal from my credit file or i may exercise my right to file legal action against Autotrakk LLC for failure to provide notices as well as false reporting on my credit file. if Autotrakk removes this information from my credit file within 30 days i will consider this matter resolved. please find attatched the copy of the original letter and certified mail receipt that was sent to autotakk.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, XXXX, and Equifax. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Earlier this year, it came to my attention that there were a myriad of inaccuracies on my LexisNexis 'Comprehensive Loss Underwriting Exchange ' ( XXXX ) Report. This report is used by credit agencies and insurance companies to assess the risk level of their customers. Due to these inaccuracies, I was being assigned a higher risk category whenever I applied for credit, loans, or insurance. I have also noticed that my car insurance rate ( and rates being offered by other companies ) was inflating to an astronomical level, despite not having any history of at-fault accidents or traffic violations. 

On XX/XX/XXXX, I notified LexisNexis of my dispute in writing. I was very detailed in my written dispute. The dispute was sent by USPS Certified Mail on or about XX/XX/2021. The enclosed USPS Certified Mail Receipt shows that LexisNexis received it on XX/XX/2021 at their po box in XXXX, Georgia. 

Per the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency has thirty ( 30 ) calendar days to process a written dispute. LexisNexis may either 1. ) verify the record as 'Accurate ', or 2. ) remove the record if it can not be verified. 

Accordingly, a response was due from LexisNexis on XX/XX/2021. As of today ( XX/XX/2021 ) no response has been received. Therefore, LexisNexis has missed their statutory deadline, and is now legally obligated to make the requested changes.
Complaint sub-issue: Problem getting my free annual report

I 've tried multiple times to get my annual credit report from equifax. I 've gotten my reports from XXXX and XXXX without a hitch, yet every time I attempt to get my report from equifax at the verification step it has references to loans/cards that have nothing to do with me. Selecting none of the above for each one of these causes a failure in identity verification ( again, on equifax only, I had no issues whatsoever with XXXX or XXXX. ) and tells me to MAIL ( yeah, sending sensitive information through the mail is a really good and secure idea, there ... ) copies of payroll stubs, ect. This same thing happened last year ... If there was a case of identity theft I 'm sure it would have shown up on my other XXXX reports, which it did not. Why is such a group of incompetent ( and ignorant from what I 've gathered over the web, since I 'm not the only one experiencing this ) morons in charge of peoples credit like this? It seems the easiest course of action with them is to subscribe to their service to remedy this, which seems an awful lot like bate and switch, which last time I checked was still illegal ( not to mention immoral, not that today 's businesses readily practice moral or ethical means of operation ). They are screwing over MANY Americans on a daily basis with these practices and should be shut down until they can get their heads out of their butts and shape up, yet these are the people in charge of our credit. This makes as much sense as a chocolate teapot ...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report negatively on an account that has been fixed per XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XXXX. I have disputed the account now 4 times and each time the account changes or new delinquencies are added to the account. In addition to the account being closed since XX/XX/XXXX Equifax continues to change the status of the account. Currently the account is showing that XX/XX/XXXX and XX/XX/XXXX are past due when I have spoke with XXXX and they continue to state that they are reporting to Equifax that there were no late payments and the account is closed since XX/XX/XXXX. Disputes were submitted to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX where the company reports no changes to be made. However again I have spoke with XXXX XXXX and they state they have submitted and responded to Equifax and changed the late payments with them. The account still shows late payments for those two months and verbiage stating the account had a balloon payment with past due amounts which was just added with this last dispute and again is incorrect. It is very unfortunate that this has been an issue for over a year and that the companies can not fix the issue on their own.
Complaint sub-issue: Problem during payment process

Hello : This is the second time I've had a problem with Citibank not registering a payment. I pay over the minimum due and they take the money but the minimum due remains. The second time I paid {$350.00} on XX/XX/19. Over twice the minimum. The minimum was about {$140.00}. The payment was taken and didn't reflect on the required minimum payment. I called about 2 days later and explained it to them what happened and I was told that the payment would be credited and reposted on XX/XX/19. Citibank deducted another {$350.00} on XX/XX/19 from my checking account. And never cancelled the original payment. Leaving me with duplicate {$350.00} payments. Now they think it's acceptable for me to wait 3-4 business days for money they shouldn't have taken from my checking account in the first place. This is the second time this has happened to me with Citibank. The first time I just made a second payment. 
I typed this while being on hold for a manager and was now told that there is no manager on duty and one would call. 
Thank you, XXXX
Complaint sub-issue: Was not notified of investigation status or results

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Reporting company used your report improperly

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

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

I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, Equifax, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Complaint sub-issue: Debt was paid

Americollect sent me to collections, PRIOR to investigating the dept. 

XXXX XXXX  Fire Department ( XXXX XXXX XXXX ) sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. 
I NEVER received a phone call message. 
The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) As you can see, Americollect sent me a bill ... but AFTER the debt was already paid. Apparently, the original billing department had my address listed in XXXX WI and not in XXXX, WI. 
I have sent Americollect an email and have not received a response of any type.
Complaint sub-issue: Didn't receive notice of right to dispute

I have previously asked that this account be validated that I owe it by ProCollect way back on XX/XX/2018. 
They have yet to do this. 
They sent me a suspect " copy '' of an alleged lease that they are claiming I owe. 
The lease is to " XXXX XXXX '' apartments. What this has to do with ProCollect is a mystery to me. Unless Procollect is a subsidiary of XXXX XXXX this does not show that I owe Procollect anything. 

I've attempted to get validation through all three credit bureaus at least twice and they refuse to validate or remove from my credit reports violating my FCRA rights. 
I will be filing a complaint with the XXXX and FCC office along with this. 

Secondly I was NEVER notified of such alleged debt nor that I had the ability or right to dispute it within 30 days. I'm asking for proof that the notice was sent to me at a legitimate address of mine. 

I have attached the original letter sent to Procollect and date along with a dispute to XXXX credit bureau.
Complaint sub-issue: Didn't receive advertised or promotional terms

the written and signed agreement is for {$26.00} per month for a promotional agreement between Best Buy and me with a XXXX setup. 
My XXXX bill continues to show {$45.00} ( see on yellow highlight on the copy of latest bill from XXXX ) I filed with the FCC against XXXX. 
When I call XXXX they say call Best Buy. 
When I call Best Buy they say call XXXX. 
I want out of the contract and all my money back.They can have the phone.
Complaint sub-issue: Account information incorrect

As you can see from the enclosed credit report, it shows a late/missed payment of {$0.00} on XX/XX/2018. This is a mistake because I have been enrolled in Auto Pay since XX/XX/2018. 

I spoke to Citibank and after being and after being on hold for over an hour they asked me to call them back after 30 days.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Frequent or repeated calls

They call everyday. It has been about 2 months already receiving multiple calls a day!