Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/20 my husband applied with my son, for a car loan with a car dealership. We obtained financing, but were later notified that we had been refused because of problems with XXXX  and sagestreamllc. I have resolved the issue with XXXX, but have been unable to even obtain a credit report from XXXX. I have received two letters, and responded, requesting verification of personal information. I have been refused access to the credit report 4 times ... all because they can not verify his identity. I did send them the documents they requested. I finally called yesterday and was told that they did receive the information i sent them but either due to employee error or blurry fax they could not verify his identity. Their customer service representative told me to request a copy of the credit report online. I attempted to do that today, again having to upload a piece of personal identification. It is still telling me they are unable to verify my husband 's identity. I called and they said my husband would have to call and they would verify personal information with him. I am, at this point, highly suspicious of this company and their practices and regretting that i sent them anything. His score is XXXX with them and XXXX with everyone else.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-XXXX  XXXX : XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights -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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the XX/XX/XXXX for XX/XX/XXXX XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XXXX XXXX XXXX XXXX XXXX XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XX/XX/XXXX due to a lXX/XX/XXXX and on and off again XX/XX/XXXX( documentation provided ). I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXXand two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  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 states : A consumer reporting agency can not furnish an account or account information without my consent
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several complaints to Equifax. To date, no progress has been made but I received the attached letter dated XX/XX/2020 requesting additional information. I believe this is in reference to Equifax # XXXX. This letter asking for additional information advises to return the additional information to TWO addresses : XXXX XXXX XXXX and XXXX XXXX XXXX!!! What is the correct address to send information? Why is Equifax delaying a response to my original complaint and further confusing the issue? Equifax has an obligation to provide accurate information but clearly can't figure out its own address. Why is Equifax advising me to respond to two addresses?
Complaint sub-issue: Information is missing that should be on the report

This is a formal dispute to update my personal information in my Equifax credit reporting file.I 'm requesting that my address be updated in Equifax reporting system. Enclosed with this dispute is all documents I faxed to Equifax on XX/XX/2022 along with fax confirmation proving Equifax received these documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.
Complaint sub-issue: Reporting company used your report improperly

I checked my information
on equifax2017security.com and get the following message : Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in XXXX XXXX.
Complaint sub-issue: Debt was paid

Account from AFNI showed up on my credit report without any notification being sent. I advised agent account in dispute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an unauthorized inquiry from Factual Data which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.
Complaint sub-issue: Problem with customer service

I am writing this letter about a Credit Bureau dispute with Sallie Mae. This account is up to date. I have uploaded a School Verification form twice. I have also spoken with 3 different counselors from Sallie Mae and I was told this would be taken care of. I have been harassed by this company every day since XXXX, 2020. I do not owe anything at this time except monthly payment that I have always made on time. My daughter has an in-school deferment that they have and have not processed. I am requesting they take off the extra monies, fees and send a letter to the credit bureau to restore my score. Sallie Mae needs to update my account and halt the harassing phone calls and take care of this matter ASAP.
Complaint sub-issue: Old information reappears or never goes away

I have reached out to Equifax 6 times about 2 old accounts that I had with XXXX XXXX XXXX. The account has been paid in full, and it is too old to still be reporting. They are reporting incorrect dates on this account and they are reporting that I made a payment on this account back in XXXX which is not true. They are also falsely reporting that this account is in a wage earner plan and it is not.I have also been denied credit numerous times because of these accounts. I am requesting that this account be deleted. Equifax is in violation of my rights under the FCRA and these errors are preventing me from obtaining credit. They also refuse to send me the results of the investigation that they claim they did. 

Again the errors are outlined as follows : Wrong dates Too old to still be reporting Has already been paid Falsely claiming to be In a wage earner plan Not providing me documentation of the investigation that they claim they did
Complaint sub-issue: Used obscene, profane, or other abusive language

XX/XX/XXXX called me from number XXXX XXXX XXXX Virginia. The caller informed me that her name was XXXX and she was from XXXX XXXX and she called out my date of birth. I asked XXXX what exactly does the company do and how and why does she have my personal information and she refused to answer what her company did. I informed her that she does have my personal information and why does she have it. She refused to tell me what the company was. At one point she laughed and still asked me my DOB and I once again informed her yes that is my personal information and how and why she has it and what exactly does the company do. She still refused to tell me what XXXX XXXX was. I asked for a manager and a XXXX got on the phone, he called out the last 4 of my social, I again asked how do they have my personal information and who are they. He final told me that they were a debt collection agency and they were trying to collect a debt for XXXX from XX/XX/XXXX. I informed him that was not my debt and to not call me again. He continued to talk and asked me if I wanted the information and I once again informed him that was not my debt and don't call me and I would be reporting his company to the CFPB. I do not owe this debt, I have been a victim of identity fraud and I want all information removed if on my credit. XXXX XXXX refused to identify who they were, they were rude and unprofessional.
Complaint sub-issue: Deposits and withdrawals

Today is XXXX My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Acct ending XXXX Deposited a US Postal Money Order for {$1000.00} dollars on XX/XX/XXXX at and US Bank ATM in XXXX CA. US Bank placed an immediate 10 day hold on the check. When I contacted US bank on XX/XX/XXXX & XXXX to follow up on the hold I was told that US Bank can not remove a hold once a hold has been placed under any circumstances. The initial phone call to US Bank was to XXXX I spoke with XXXX at extension XXXX at toll free XXXX on XXXX and she confirmed that the bank would not and could not remove the hold under any circumstances until the Money Order had cleared. 
The Postal Money Order in question cleared on XX/XX/XXXX according to the US Postal Service and can be tracked and verified below via this link XXXX XXXX XXXX Check Money Order Status XXXX XXXX XXXX Money Order # XXXX has been cashed. 
'The information received is based upon the most recent information the United States Postal Service has '' As the bank has already taken possession of our funds it is simply wrong that they would hold a small business 's funds for no apparent reason. Similar checks ; also Postal Money Orders were deposited at XXXX XXXX  in XXXX and the funds were available the next business day.
Complaint sub-issue: Didn't receive enough information to verify debt

I C Systems failed to validate a debt that I dont know about.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

RE : Unauthorized Credit Inquiries To Whom it may concern : I received a copy of my credit report today and discovered several hard inquiries from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. I am officially disputing the unauthorized credit inquiries and request an immediate investigation. 
Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
Please remove the following unauthorized inquiries : 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 I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response.
Complaint sub-issue: Debt was paid

My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the accuracy of an account balance with BESTBUY/CITIBANK. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX  and XXXX  reports.

Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments.

Furthermore the creditor reports " 29 '' CHARGE-OFFS on XXXX XXXX XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.
Complaint sub-issue: Reporting company used your report improperly

As a human being, I have rights under 15 USC 1681.

Equifax, who is definitely goverened by 15 USC 1681 has violated my rights numerous times. I am kindly yet sternly demanding the following accountst be removed because I have the right to privacy under the law 15 USC 1681 and at no time did I give Equifax written permission to furnish the accounts listed further in this complaint. 

Accounts : XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPT OF EDUCATION OPENED XX/XX/XXXX XXXX XXXX XXXX  SERVICES OPENED XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the change. I ask that the items 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 Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Debt Dispute Violations by CRAs : They have reported late payments when I paid timely and in full accordance with my loan and XXXX agreement at the time of signing. The XXXX loan agency failed also in notifying a creditor that I disputed the debt that it has reported and has repetedly failed to conduct a reasonable investigation of my disputes, and, or correct or delete any of the inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. 

When the loan was opened with he assistance of a XXXX counselor at XXXX XXXX XXXX it was stipulated in the loan agreement that due to my XXXX I would always receive mailed statements. No statements were ever mailed. My account was part of a system issues that removed my account from being billed. And, the billing status was never rectified.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter from Jefferson Capital debt collector XXXX XXXX in regards to a debt from XXXX. It wasnt even addressed to the correct name. It was addressed with my maiden name and I've been married since XXXX. I called and disputed the debt because I don't remember owing the original creditor. I received a letter XXXX XXXX stating they would not be notifing the credit bureaus about the debt. Even if this is a legitimate debt it is way past statue of limitations. Isn't this illegal.
Complaint sub-issue: Investigation took more than 30 days

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with XXXX that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your XXXX  credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with XXXX at https XXXX XXXX. ( You'll need to create an account with XXXX and follow their steps. ) XXXX will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at XXXX  and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with XXXX by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with XXXX on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written request I sent last XXXX XXXX. However, any modes of response or coordination were not taken on their end. That means, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I highly appreciate it if you REMOVE these erroneous accounts that still reporting on my Credit Report. Thank you. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00} // Charge Off XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance -- // Late Close
Complaint sub-issue: Account status incorrect

Account is listed as 120 days past due when it is current under the new service provider XXXX. I have disputed amount and is still reporting incorrectly.
Complaint sub-issue: Public record

I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Account information incorrect

My letter got returned.

po box on my report is an incorrect address. My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is correct.
Complaint sub-issue: Personal information

I have never lived at XXXX XXXX XXXX XXXX XXXX NY XXXX
Complaint sub-issue: Account status incorrect

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt was result of identity theft

I filed a dispute about this debt and it was denied I have no knowledge of this debt from EOS CCA For XXXX the original creditor is XXXX XXXX. Any information would be helpful