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

XXXX XXXX # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt was paid

CBS J Financial Corp Has been reporting XXXX bill since XX/XX/XXXX on my credit report and this bill was to be paid by XXXX hardship program and I tried to contact CBS J Financial Corporation Regarding this matter and I have not heard from them and also this is a violation of the HIPA A Because my information was forwarded to the collection agency and the collection agency has put it on my credit file for the past 6 years I am requesting this account be deleted from my credit file since the statute of limitation time has passed and instead of removing it XX/XX/XXXX please remove it right now thank you very much
Complaint sub-issue: Information belongs to someone else

There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my XXXX and Equifax credit report that i did not make, i've made several calls to XXXX, XXXX   and Equifax to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX and Equifax i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, Equifax and XXXX is working together using my info TO OBTAIN CREDIT.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed inaccurate information on my credit report with XXXX, XXXX, and XXXX. XXXX  and XXXX  has deleted the inaccurate information but XXXX  refuses to do so. Ive sent them copies of my credit report but they keep reporting it. The company has not sent me any contract or anything due to these collections not even being mine, the company has yet after 6 months to send me anything with my signature on it stating that these collections are mine. 
XXXX  and XXXX  have deleted them and I want XXXX  to do so as well its messing me up at getting approved for the house of my dreams because These collection are not mine.
Complaint sub-issue: Account information incorrect

I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I had filed a dispute with all 3 credit bureaus ; XXXX, Equifax, and XXXX. I was a victim of identity fraud and completed disputes to those accounts created without my knowledge and with my stolen information. I filed a police report, and submitted all paper work as requested. XXXX  and XXXX were great and helped me step by step and made sure my credit reporting was correct, and deleted all fraudulent account. Equifax on the other hand are not deleting fraud accounts and stating they are mine, when in fact my information and identity was stolen. Instead of trying to help me, they tried to sell me products to monitor my report. I have a police report, I am a victim, and this company is not trying to help me. How is all the same information available to all credit bureaus but Equifax keeps insisting it is my account. It is very upsetting, and no one is helping me. On another note their website doesn't even let me log into to check my dispute because they keep stating im answering my security questions incorrectly. IF FRAUD WAS DONE ON MY ACCOUNT how am I suppose to know what accounts were open.
Complaint sub-issue: Personal information incorrect

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea of this collection and I would like to report it the amount of {$170.00} XXXX. XXXX, 2017 ( 5 yrs, 2 mos ) .AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Complaint sub-issue: Received bad information about my loan

Firstmark Services is an unethical business that charges hidden fees and extorts money from their customers. They take out a huge " finder 's fee '' from the loan disbursement right off the bat. Also, if you go into deferment they add the balance to your principal without informing you. On a {$7500.00} loan, they added roughly {$6500.00} in " fees ''. As a very young college student desperate to finish school ( at XXXX XXXX college ), I naively decided to work with these people, and the Firstmark employees are the most incompetent people I have ever had the misfortune to communicate with. If you add up all my payments ( {$86.00} a month for ten years ) it more than finishes off the whole principal along with interest. No one at this " company '' has any idea what is going on, and when you call them out on their extremely unethical practices they can provide no explanation to why these hidden fees were not communicated. I am contacting my attorney and the XXXX regarding these unethical business practices.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Complaint sub-issue: Don't agree with fees charged

Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a few accounts on my report I do not recognize
Complaint sub-issue: Not given enough info to verify debt

I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.
Complaint sub-issue: Other problem getting your report or credit score

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to Equifax, XXXX and XXXX XXXX specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XX/XX/XXXX To Whom It May Concern : This letter is in response to your recent claim that the following has verified that the account they are reporting under my name is accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested , to be provided within fifteen ( 15 ) days of the completion of your re-investigation . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your no
n-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Account information incorrect

CBNA is wrongly reporting my best buy credit card as 60 days late. This reckless reporting has been going on with Citibank A.K.A. CBNA, for 4 months, since my card was compromised. 

On XX/XX/XXXX CNBA finally completed their investigation which began in XX/XX/XXXX. 
CBNAs investigation concluded my account was compromised and I would not be responsible for any of the reported charges. 
CBNA also concluded a new card would be mailed out to me. 

During the investigation, I was restricted from access to my account, any charges or balances. I was not mailed any statements and to this day of XX/XX/XXXX, I have yet to be mailed or provided a statement by any means. 
My previous conversations with the fraud department, which i highly recommend reviewing the tapes, The investigator told me not to worry about any payments to the account until after they conclude their investigation and until i receive a statement. 
However, it seems this information is not forwarded to the department that monitors payments and reports to the credit bureaus. 

As a result of CNBAs continued recklessness, I was turned down for a mortgage on XX/XX/XXXX buy XXXX. This is the 2nd time in 3 months I was denied as a direct result of CBNA 's inaccurate reporting. This has cost me thousands in actual damages. Including the fees I had to pay. 

CBNA 's reporting is also contradicting, it reports I paid my XX/XX/XXXX and XX/XX/XXXXpayments, yet in XX/XX/XXXX reports me as 60 days late. MAKES NO SENSE I contacted CBNA 's fraud department again on XX/XX/XXXX & XX/XX/XXXX and was assured this would be corrected immediately. It has not been corrected as my XX/XX/XXXX credit bureau reports continue to display 60 days late.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Received bad information about my loan

XXXX  and  XXXX   XXXX  sold off a portion of my student loans during my loan consolidation process. This has resulted in approximately  XXXX  third of my student debt being " non-consolidated '' and thus not eligible for th e Public Service Loan   Forgiveness ( PSLF ) p rogram until I was notified of the problem in  XXXX  once I moved to a different loan servicer.     I submitted the appropriate paperwork to consolidate all of my student debt together after I graduated in  XXXX . I spent many hours on the phone with  XXXX   XXXX  and had to repeatedly submit documents even though I had already complied with the consolidation and Income Based Repayment requests. During the consolidation process a third of my debt  XXXX  approximately {$80000.0 0} ) w as sold without my knowledge to  XXXX . As a result of the sale, my loans were mishandled and this amount was not consolidated with the rest of my debt.     The result was that approximately two thirds of my debt was properly consolidated and eligible for the PSLF program, while the remainder remained unconsolidated and ineligible. Because I was making a single payment as part of the IBR program, and was certifying my employment as part of the PSLF program for the eligible loans, I had no way of understanding that this unconsolidated debt was not eligible for forgiveness. I was never notified of this problem but instead was repeatedly reassured that I would ultimately be eligible for the PSLF program.     I learned about the problem once I moved to FedLoan and for the first time received a very clear understanding of the consolidation process and the PSLF elibigibility requirements through a series of customer service phone calls. Following these calls, I re-consolidated the remaining debt in  XXXX . I now have approximately {$110000.00} in debt that will be eligible for forgiveness in  XXXX  but should be eligible in  XXXX  along with the rest of my debt.     I am requesting to have this later-consolidated debt back-dated so that the payments made since  XXXX  become eligible for the PSLF. I would also like to have this complaint formally included in the records of  XXXX   XXXX ,  XXXX , Fed Loan, the Consumer Financial Protection Bureau, and the ongoing litigation around these matters.