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

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Complaint sub-issue: Information belongs to someone else

Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information
Complaint sub-issue: Debt was result of identity theft

I am a victom of identity theft. There have been numerous erroneous marks against my credit report for some time now. I sent formal dispute letters to Equifax on XX/XX/XXXX. I attached a police report, FTC affidavit and my ID 's. I disputed this item as NOT MINE. Legally they have 45 days to investigate with the lender and provide me notorized proof that the instrument is mine. It has been over 60 days and no proof has been provided. I have followed up making phone calls and each time being hung up on or asked a myriad of personal " security '' questions and told I am not answering them correctly when I know that I am.I called back again and they made me answer 9 security questions unbelievable, finally I got through to someone who said they filed my dispute on XX/XX/XXXX and that I should call back to a certain number XX/XX/XXXX and that it would not be on my credit report if they found no proof it was mine. I called back, the number didnt work! I found a different Equifax number. got a supervisor on the line. Told her all of this, she said it was still on there and under investigation, it would be 30 more days and to call back. That would put me at a 90 day dispute period ... I filed an online identity theft FTC report about this acct on XX/XX/XXXX, also an online dispute again on XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

SageStream , LLC Consumer Office XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Reported a credit score to a XXXX dealership were I was applying for a car loan which was XXXX points lower than XXXX, XXXX, and XXXX. I have tried to contact SageStream but unfortunately no one answers or no one is able to provide a detailed description of what they are basing my credit score on.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX  put a collection account on my credit. I disputed with them they refused to answer my letter or calls regarding why they were collecting. It was sold to another collection agency who i disputed the debt with them and they removed their file from my credit report. 6 weeks later u got a call from vance and Huffman a new collection agency representing the original debt with XXXX XXXX XXXX. I bought a car in XXXX in XXXX inwas in a car wreck and insurance and the gap insurance paid the debt off. The car company went out of bisiness shortly after. The car co pany sold its loans to two different companies. The missouri locations were bought by XXXX XXXX XXXX. I bought my car from the ks location, and XXXX XXXX XXXX still holds the original rights to my original contract. They are not persuing collection and they note that my account is paid in full. They will not privide me anything in writing because they were nit the original owners of the car contract and contract was under XXXX XXXX XXXX or XXXX XXXX. XXXX XXXX does not own or hold rights to collect on a car that was paid in full. The origi al creditor diesnt even exaist any more and XXXX XXXX XXXX nor the current collectio. Company will stop collecting because they told me i habe to prove to them i dont owe the debt. I dint have anything else on that car anymore as it was 3 years ago. I asked all collection companies for a copy if the origi al contract and theur rights to collect on my original contract and no one has provided me that. They have affected my credit acore in the middle of a home biying oricess and caused me to loose the home of my dreams. I am now back i. The process again searching for a new home and it has hit my credit score yet again. This time the lender is willing ti work with me because they see the item is disputed with all credit agencies. But it still affects my score and my ability to get a better rate. Ive spent 3 minths disputting the information with all agencies and niw 3 times over for 3 collection companies.

It is illegal what they are dli g i donot owe any money to them nor XXXX XXXX  but yet they keep trying ti sell the debt to negatively affect my xredit.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

the following letter attached shows that this account ( XXXX XXXX  ) does not have any delinquencies, and needs to be updated, i have already spoken to XXXX XXXX and they have updated their data base as never late. XXXX also made sure of a conference all and they have updated their systems. but XXXX and equifax are not cooperating an they are just placing a dispute. please help me to update this account on the credit bureaus as never late for ( XXXX XXXX 2014 ) that needs to be removed. 
letter attached from XXXX XXXX thank you
Complaint sub-issue: Confusing or missing disclosures

XX/XX/XXXX, tried to open checking online, received email to ask about documentXX/XX/XXXX, Fax document they need, CALLED AND THEY SAY THEY RECEIVE AND CAN BE SOLVE IN 7 BIZ DAYS!XX/XX/XXXX, transfered living money in this account, found I can not use it!XX/XX/XXXX, fax again, same documentXX/XX/XXXX checking got closed for no reason.left $XXXX dollars I can not use for almost one month.No one solve the issueCalled 10+ times, no any email or notice of what is the next step.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed a public record on my report. I sent Equifax a letter asking how did they receive the information they stated per a third party vendor XXXX they also stated if I wanted to dispute the issue to dispute it with XXXX. I did dispute the public record ( bankruptcy ) it was deleted from my XXXX report. I sent Equifax a copy of the deletion letter from XXXX who they stated was their furnisher. They still refused to delete the public record after I followed the step and had it removed. If XXXX removed it and is the furnisher of the information they should remove it as well.
Complaint sub-issue: Debt was paid

Iam in the process of getting a mortgage, and the lender pull my credit and told me that an apartment complex I use to stay at back in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX had a derogatory account for listed on my credit and was the original creditor for the account. I know I had to use my PCS ( Permanent Change of Station ) orders to break my lease with them when I PCS 'd out of XXXX, XXXX to XXXX, XXXX. in XX/XX/XXXX which is protected by law. When XXXX XXXX military has orders to leave they have to leave, it is not an option. I called XXXX XXXX XXXX XXXX XXXX on the XX/XX/XXXX after I got off work and explained the issue to the assistant manager and she said they were under new management, and could not say who was the management back in XX/XX/XXXX, and could not provide me with any point of contact to resolve the issue. I spoke with a US XXXX attorney and he spoke with the assistant manager and again she could not provide a company name or point of contact to resolve the issue, and the manager also said she didnt see anything suggesting debt discrepancy on file for me with the courts. The mortgage company says I have to get this cleared off my credit before I close on my new home on XX/XX/XXXX, and im sure this has been affecting my credit for sometime since XX/XX/XXXX. The US XXXX attorney said the consumer financial protection bureau can have this removed from my credit because no company wants to own up to it to resolve the issue and its a wrongful debt because you can break a lease with PCS orders.
Complaint sub-issue: Delay in processing application

I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an immigrant. The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for  classism and racism.
Complaint sub-issue: Information belongs to someone else

This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XXXX XXXX, XXXX I noticed a withdrawal of {$9900.00} dated XXXX XXXX, XXXX on my XXXX XXXX bank statement that I received via email on XXXX XXXX, XXXX. The description for the withdrawal read XXXX XXXX. There was also a withdrawal of {$75.00} on the same date with a description of LITIGATION FEE. I was not aware of the withdrawals, so I contacted the bank at XXXX. They recommended that I contact the phone number listed in the description. This was a direct number to XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Per discussion with XXXX XXXX, someone filed a California tax return in my name using my social security number with taxes due of {$9900.00}. Per XXXX XXXX, Key Bank was issued an Order to Withhold Personal Income Tax with instructions to contact me and wait 10 business days to withhold any funds from my account. XXXX XXXX contacted the bank on XXXX XXXX, XXXX to release the order as it was determined that someone had try to use my identity. Per XXXX XXXX, Keybank legal department told her that that had never contacted me and that they had already sent the money 2 days after receiving the order. Per my relationship manager at Key Bank XXXX XXXX on XXXX XXXX, XXXX the legal department was contacted by XXXX XXXX on XXXX XXXX and XXXX XXXX, who instructed to release the order and stop payment on the check sent to the XXXX XXXX XXXX XXXX. Per XXXX XXXX, KeyBank has refused to stop payment and will not reverse the {$75.00} Litigation Fee that they charged their customer, even though they did not follow the directions of the order to contact me and wait to send funds. On XXXX XXXX, XXXX, I received a letter from Key Bank regarding the withdraw dated XXXX XXXX, XXXX post marked XXXX XXXX, XXXX with a copy of the third page of the Order.
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided  to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, Understand my rights as a Federally protected " Consumer ''.

Fair Debt Collection Reporting Act ( FDCPA ) 15 U.S. Code 1692. ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Please be advised XXXX  XXXX XXXX has been reporting false/Inaccurate Information to my consumer report. According to 15 U.S. Code 1692g - Validation of debts I have asked the company to present me with : Original Debt Instrument SIgned Contract Video, SIgnature, or Evidence that I am the One who committed such charges. 

Lastly, while speaking to a representitive they have the wrong address for me an address that was associated with fraud and they continue to report this information to my consumer report.
Complaint sub-issue: Debt was result of identity theft

I have been trying to resolve for a long time. 

Please find FTC report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I sent Equifax a dispute via USPS certified mail regarding three accounts listed on my credit report from XXXX XXXX, XXXX XXXX and XXXX XXXX .I asked Equifax to investigate these alleged accounts and to provide any and all documentation they have showing the accuracy of these accounts and that these accounts belong to me in accordance with section 611 of the FCRA. Equifax replied with a generic response that they " Verified '' these accounts yet failed to produce any documentation showing how they verified them. 

Again on XX/XX/2019 I sent Equifax a letter via USPS certified mail demanding their method of verification for these alleged accounts in accordance with section 611 ( a ) ( 7 ) of the FCRA giving Equifax 15 days as required by Federal law with no response from Equifax within the 15 day period. 

once again on XX/XX/2019 I sent Equifax a letter via certified mail for failure to respond in the 15 day period as well as failure to verify the alleged accounts. It was not until XX/XX/2019 that i received yet another generic letter bearing no account level documentation or any other method of verification stating that they " verified '' these accounts. 
It is clear to me that Equifax has failed to conduct any kind of investigation into this matter other than parroting information, also XXXX is not an acceptable means of investigation and as a consumer I entitled under the FCRA to a fair investigation. 

Equifax is now in violation of section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) for failure to provide me any copies of an original documents or consumer contract bearing my signature.Equifax is also in clear violation of Section 611 ( a ) ( 7 ) for failure to provide method of verification as well as federal law for failure to respond in 15 days.

Under the FCRA Equifax can be sued for {$1000.00} per violation of and will also be responsible for court costs and damages. 
Please see the information i have uploaded as proof of my claim
Complaint sub-issue: Problem with customer service

MOHELA claims to be having my loans transfered, but months have gone by, and XXXX says they have received no requests. 
MOHELA has nothing in my account to indicate that I have applied for PSLF more than once. 
I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spoke with XXXX on the advocacy team on XX/XX/22 and was told my application issues would be reviewed. He gave me a number to connect me directly to the advocacy team. When I tried to follow up, it was a non working number. XXXX I applied in XXXX. I spent months calling MOHELA and was finally told this summer that XXXX did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so MOHELA would have to do it, but it still had not been processed at all and never showed on my account. I applied several more times to MOHELA starting in XXXX. There is still absolutely no record that MOHELA has received my application. It just says my loans are in good standing on the MOHELA site. After many, many calls, I spoke with XXXX who said that XXXX had my loans recorded as still being with XXXX XXXX. In reality, XXXX transfered my application to MOHELA and my loans to XXXX. He said they would review the application and get it moving. I never heard another word and can not get in touch with anyone at all. None of their published numbers actually work. They just have 15 minutes of recordings and then hang up on you. I'm ten months into my application and can not get any help or answers, and I'm being given false contact information. 
I call every week and no progress is made toward moving my loans. There is no way to monitor the pending application. My account has been blank for months. They have not even acknowledged the applications they say they have received.
Complaint sub-issue: Their investigation did not fix an error on your report

Company called XXXX is attaching a collection to my credit report on both Equifax and XXXX. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
Complaint sub-issue: Problem with personal statement of dispute

Filed complaint # XXXX XXXX / XXXX XXXX Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date Equifax is still showing outstanding balance of {$88000.00} and late payments. XXXX was paid in full XXXX XXXX in which they denied. XXXX stated I still owe to date the money for Insurance XXXX and Taxes XXXX that they paid on the same day the loan was paid off. XXXX has refused to show any documentation proving these payouts were even made. XXXX has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
XXXX has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing XXXX inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that XXXX remove all negatives and outstanding balances from my credit reports.
Complaint sub-issue: Trouble with how payments are being handled

X/XX/2017 - I logged into my account to check the amount I owed this month and the amount had nearly doubled. I checked the interested rate, and it was n't that much more than it was the prior month. Furthermore, I decreased the amount I owed below what the original loan amount was, so it did n't make sense that my loan payment amount nearly doubled in the course of a month. 

I have n't spoken to the lender yet because I am worried they will deny it. I 'm concerned that I am being punished with higher payments because I pay more than my minimum monthly payment. Basically, I think they are punishing me for trying to pay my loan off early.