Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I have mailed and called both the credit bureau and these two collection collection agency 's who  refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on Equifax Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed multiple fraudulent or innacurate items on all three major CRA 's ( XXXX, Equifax, and XXXX  ) over the last year to clean my inaccuracy 's after identity theft. XXXX  and XXXX   have been willing to successfully remove fraudulent and inaccurate entries that either never belonged to me or were opened without consent from me otherwise reported inaccurate information such as address information and name spellings..Equifax, however , over multiple attempts to have these corrections made have been unwilling to co-operate to fix these errors and therefore has left me with only them holding false, negative, and incorrect information. I have made numerous attempts and nothing has been removed or altered. The incorrect Information needs to be removed and the investigation by Equifax should have had the same outcome as the investigation by XXXX and XXXX  - as all the CRA 's are receiving the same information presumably from the investigation. These mis-informations and unwillingness to remove the items are hurting me financially and aren't my responsibilities either. Equifax also placed a fraud alert on my report without my asking for it - even though they will not remove false information ( addresses I've never lived at, collections accounts that don't meet requirements of FCRA and can not be validated, names I do not go by and that belong to someone else, etc ) PLEASE HELP!
Complaint sub-issue: Can't close your account

An account was opened fraudulently in my name with this creditor ( XXXX XXXX XXXX ) and its effecting my credit and Ive tried everything I could to inform them that the account was fraudulent filed a police report and sent it also it says the account was closed on XX/XX/2022 but theyre still reporting missed billing payments and the last payment that was just reported is XX/XX/2022. Also a collection company contacted me about the account and I informed them what was going on they told me that there wasnt anything they can do and theyre not the ones thats showing up on my 3 credit reports.
Complaint sub-issue: Fraudulent loan

In XX/XX/XXXX XXXX XXXX applied for a student loan with Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX in XXXX, NJ. She started school, continued her education at the XXXX location, and then began her XXXX houXXXX XXXX program in XXXX, NY, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the same time paying her monthly payment of {$25.00} per month to Sallie Mae. In XX/XX/XXXX, she consolidated her loan with XXXX XXXX, the amount of the loan is for {$20000.00} for a 15 year loan. She began her XXXX XXXX payments XXXX XXXX. She completed her education and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX notified Sallie Mae of their closing XXXX XXXX, XXXX. XXXX was not notified. Sallie Mae disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, New York location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both Sallie Mae and NJ Department of Education that the XXXX school was not a Title IV school. The XXXX XXXX loan was consolidated in XXXX XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX  XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX license. Both XXXX of XXXX XXXX XXXX and Sallie Mae proceeded with a loan that was fraudulent. Sallie Mae did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career. What would be a fair resolution to this issue? The only resolution would be for the loan to be forgiven and XXXX receive back all her prior payments to a school which was paid by Sallie Mae but that she did not attend.
Complaint sub-issue: Problem making or receiving payments

I had a payment arrangement with XXXX and I used my checking account information for the payment. I have had this account for more than five years. I use the routing and account # for electronic payments all the time. My payment with XXXX was declined saying they would not accept due to information from Telecheck. Knowing I do not have bad checks out there, I call Telecheck who states they declined my payment, defaulting my arrangement because I had not had any transactions with them. I feel this is ridiculous. I can see blocking my payment if I had bad checks but not because my transactions have not gone through tele check. Telecheck needs a different way to verify if someone authorized something other than denying needed payments. Now I am told I can not pay until their system refreshes and she did not know how long that would take but I need to submit the payment now.
Complaint sub-issue: Debt was result of identity theft

Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.
Complaint sub-issue: Information is missing that should be on the report

To whom it may concern it seems XXXX XXXX and equifax are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield Corporation Service Company dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and The XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 

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

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Attempted to collect wrong amount

This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise.
Complaint sub-issue: Debt is not yours

Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair
Complaint sub-issue: Information belongs to someone else

my name is XXXX XXXX I am writing to delete the following information off my file. the items I need deleted are listed in the report, I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I Reported the theft of my identity to the federal trade commission and I also have enclosed copies of the commissions identity theft affidavit. pleased delete these items as soon as possible. these negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Complaint sub-issue: Debt is not yours

I have NOT have any services, products that this company is claiming. I have submitted electronic disputes repeatedly. They continue to report it on my credit report. I have statements indicating that the account is Not mine. They insist demanding that is my account. The personal information they have on me does Not match my information. Like Social security, account number and products they claimed I purchased.
Complaint sub-issue: Deposits and withdrawals

It has been months since the original account. My funds were frozen because of fraudulent activity. I can't get at the money in account, however they still charge for overdraft fees which are added at least once per week. I owe well over {$100.00} in overdraft fees. I would just like them to close all the accounts and pay me out the funds that are in the account. The bank has never called me. Very poor customer service. When I try to reach out, everyone has a different story about the problem.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Information belongs to someone else

There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Debt is not mine

I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.
Complaint sub-issue: Account information incorrect

Dept Of Ed/Nelnet CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the 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. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. Lesley Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs Chase Manhattan - inaccurate reporting due to intentional defamation/ no consent reporting.
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 govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Complaint sub-issue: Personal information incorrect

Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind EQUIFAX and XXXX of their duty pursuant to 15 USC 1681. It appears that Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. Equifax AND XXXX have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Accounts disputed with XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I'm utterly frustrated with the lack of response I've received concerning my investigation. These inaccurate accounts need to be removed from my credit report immediately. It's been over 30 days and I haven't received anything. I found a law to support my cause as well, Section 611 ( a ) which states that failure to investigate these items within 30 days gives a reason to remove them immediately. The items I'm providing in the attached letters are the items I want deleted immediately or I will be forced to file for litigation.
Complaint sub-issue: Other problem getting your report or credit score

Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by SageStream ( now XXXX? ) Made request for credit report to determine problem. Letter from XXXX indicated " unable to process request ''. Made numerous phone calls... no response ; not XXXX. 
Letter from XXXX " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against SageStream. What's it take to get action on this?
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Although I talked to the company and they agreed to delete the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please remove the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt
Complaint sub-issue: Information belongs to someone else

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXX. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They called me for a year straight last call was XX/XX/19 rep told me they werent gon na leave me alone because its attached to my name and they have a right to Harass me. I told them that account is not mine but theyre trying to force me to make a settlement for something thats not mine. This was removed from my credit report and a year later they put it back. I told them over and over this is not mine.