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

Under the FCRA I, XXXX XXXX request that XXXX immediately notify Equifax, XXXX, & XXXX of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Complaint sub-issue: Account information incorrect

Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active  collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.
Complaint sub-issue: Their investigation did not fix an error on your report

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Complaint sub-issue: Didn't receive services that were advertised

I am part of the breech of Equifax. I can not get anywhere with them. I went to their website and they said they will e mail me instructions, I receive nothing from them. I tried to call their phone number and surprise, some one did answer the phone, but he just blew me off saying I will receive an e mail the next day. Surprise, surprise, no e mail. I then contacted the Ohio attorney general 's office, and they gave me step by step instructions on how to contact Equifax, I followed the instructions and still have not heard from them. Can you help? As far as i 'm concerned, I wish they would just erase all my data and I 'd be done with Equifax. Thank You
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all XXXX credit bureaus on ( date of XXXX letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since XXXX letter was sent ) and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Public record information inaccurate

Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Complaint sub-issue: Attempted to collect wrong amount

U.S. Department of Education, I write this letter today to express my dismay when it comes to the information that is displayed on my current credit file. 

As stated by your website and others, your organization is known for their ability to help resolve issues revolving around matters, similar to this one. 
The dispute in question is based on paperwork that is obviously sent directly from Mohela, a small college that my daughter attended back in XXXX XXXX XXXX 

The letter states that the balance has been differed until XXXX, but yet my current credit report plainly shows a balance that is premature as well as misquoted. 

The balance for XXXX is {$7300.00} The balance for XXXX  is {$6000.00} And the balance XXXX  is {$9000.00} But if you look at my credit file as listed below There are a number of mathematical oversights. 

The amount for XXXX  is stated as {$10000.00} on my credit file but, the paperwork provided by Mohela states {$9000.00} A difference of {$1400.00} ________________________________________________________ The amount for XXXX  is stated as {$7200.00} on my but, the paperwork provided by Mohela states {$7300.00} A difference of -96.00 lower amount altogether If the interest is growing, then how is the amount lower at this point. 
________________________________________________________ The amount for XXXX  is stated as {$6000.00} on my but, the paperwork provided by Mohela states {$9500.00} A difference of {$3500.00} lower amount altogether And Strangely enough the amounts listed appeared on my credit score less than a month ago. 

XX/XX/XXXX. 

Where as the paperwork that states the approved deferment is dated XX/XX/XXXX. 
The deferment was granted no more than a year ago. 
A possible oversight perhaps, but the misquoted amounts lead me to believe that it is more than just a behind the scenes mistakes. Possibly a non procedural way of taking advantage of their students. Being her father my concern has been heighten. 
I am now blowing the whistle as a Concerned parent as to the treatment of my credit file as well as daughters credit file. 

A huge over sight when dealing with specifics. 
As you can plainly see there are a number of inconsistencies that have affected my credit file. 

At this point I am officially requesting help on this subject matter based on the difficulties that are presented. It is like arguing with an entity that does readily understand their own paperwork, as if to say a roundabout figure may just apply, when credit repayment is a business of exacts. 
To reintegrate According to their paperwork the first payment is not due until XXXX. 

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

There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and i never gave authorization.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint against EQUIFAX. This is regarding the XXXX   ACCOUNT ref # XXXX. This account was disputed to EQUIFAX on two occasions. This items has been been disputed to other bureaus and and I also filed a complaint against them last XX/XX/XXXX, and there has been no mention of anything about their investigation on this account .They are the only credit reporting agency reporting this account. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.
Complaint sub-issue: Report provided to employer without your written authorization

Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. 

Without permissible purpose = identity theft
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against Receivables Management Systems. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.
Complaint sub-issue: Account information incorrect

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
EQUIFAX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX- DISMISSED
Complaint sub-issue: Reinserted previously deleted info

CREDCO XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Complaint sub-issue: Information is missing that should be on the report

I have contacted both Equifax and XXXX XXXX about my TWO missing credit card accounts that should be reporting. XXXX  XXXX told me that they are reporting to all 3 credit bureaus and was unsure about why Equifax was the only company not reflecting the accounts. XXXX  XXXX opened two disputes with Equifax for missing account information and the disputes came back unresolved. The Equifax representative that I spoke to told me that there wasnt anything that they could do to show the active account and that they werent sure why they werent showing either. This is not okay.
Complaint sub-issue: Account information incorrect

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX  Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type
Complaint sub-issue: Information belongs to someone else

Feedback to Nelnet response Nelnet has refused to remove this fraudulent loan from my credit report. Nelnet fail to provide the documents I have requested numerous times in each one of my letters. Nelnet is constantly insulting, and defaming my by requesting for me to send letters from a credit repair specialist. When I am a XXXX XXXX XXXXXXXX and own my own credit repair business. I am filing a suit Monday XX/XX/2022! Im done disputing! Thank you CFPB for reaching out to them.
Complaint sub-issue: Funds not received from closed account

I had an account open with XXXX XXXX, under my business name. XXXX was closed by its parent bank BBVA. BBVA was supposed to have sent a cashier 's check with the funds in the account to my home address in XX/XX/2021, but after numerous contacts with BBVA / PNC customer service, they have not yet sent the funds.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX 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: Information belongs to someone else

REMOVE THE ATTACHED FTC VIOLATIONS
Complaint sub-issue: Information belongs to someone else

There are fraudulent account on my credit report that I did not file.
Complaint sub-issue: Debt was result of identity theft

After reviewing my credit report I found a collections on my report from IC Systems Inc. The original debt that was stated on my report was from XXXX XXXX. I have never had an account with XXXX XXXX. My mailbox was broken into several times over the last 5 years. This account was open fraudulently and I contacted the collections agency several times to delete this from my credit reports. The collections agency has not delete this account yet. This is not my debt and I have never had an XXXX XXXX  account and want this collections deleted ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XX/XX/XXXXand inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

i payed them off and the account show as still open when i closed it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # 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: Information belongs to someone else

I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX   XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX    XXXX {$140.00} XXXX XXXX {$2200.00} XXXX  XXXX {$2700.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$24000.00} XXXX XXXX {$870.00} XXXX XXXX {$830.00}
Complaint sub-issue: Their investigation did not fix an error on your report

After recently looking at my credit report, I noticed account and inquiries reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that does not relate to any credit transactions that I have made. Removed these items from my credit report because they are fraudulent and hurt my ability to obtain credit.
Complaint sub-issue: Their investigation did not fix an error on your report

DO NOT CLOSE THIS COMPLAINT FOR ANY REASON IM TIRED OF GETTING MY COMPLAINTS CLOSED FOR NO REASON. I am making this complaint myself. about accounts that do not belong to me that the credit bureaus have ignored my letters that ive sent in.