Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

Hello : I have been trying to get my credit report from the XXXX main bureaus, but the information does n't match in any of them, according to my bank, who was the one conducting the process of opening a line of credit. Can you please tell me how can I fix this problem?, for the record, I have not used my S.S. Number for any credit purposes.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX WAY XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$660.00}, XXXX OF MO XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF MO XXXX XXXX : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I initially sent a series of letters to the credit reporting agencies and creditors, with the last being o XX/XX/2021 which was, y second or third request. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX  updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
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 15USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX 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 an 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 record by more than XXXX 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: Account information incorrect

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$18000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted XXXX XXXX XXXX as well as XXXX  and equifax various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up
Complaint sub-issue: Attempted to collect wrong amount

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my 20+ communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these 20+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Complaint sub-issue: Their investigation did not fix an error on your report

Personal Information Im requesting to be removed from my credit profile. 
FRAUD ALERT ( information on alert is incorrect and reporting a phone number that doesnt belong to me XXXX. 

Remove Alert. Remove All listed Employers : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Remove listed mailing addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX  on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/XXXX, my student loans were transferred to XXXX XXXX as part of the Public Student Loan Forgiveness Program. Within a month I contacted XXXX XXXX XXXX to inquire about how many more payments I have until I reach 120 payments ( and the 10 year service requirement ). The servicer said they needed 90 days to calculate my payments. After 90 days, I called again and was told they needed another 90 days to figure out my account because it seemed there was a consolidation error and all of my loans weren't counting towards my payoff. I asked who made this error and they blamed XXXX XXXX, my servicer in XX/XX/XXXX. They said XXXX XXXX was no longer in business so there was nothing I could do to address their error. 

I finally received a letter listing all of my qualifying payment details and the documentation said that most of my loans only had 6 or less  qualifying payments and that two loans had 14 qualifying payments so far. I have been working in public service full time since XX/XX/XXXX. I consolidated my loans in XX/XX/XXXX and I got on Income Based Repayment ( a qualifying plan for PSLF ) in XX/XX/XXXX ( according to XXXX XXXX ). I have made 73 payments from XX/XX/XXXX to present day and have always paid the exact amount my servicer requested ( which is set each year when I recertify and stays the same amount for 12 months ). In other words, I have consistently paid the amount the servicer ( s )  told me to pay. However, now XXXX XXXX is saying that most of my loan payments don't qualify because my monthly payments didn't cover all of my loans each month and that I may have been late on payments. Aside from a few forbearances, I have NEVER been late on a loan payment. The money is directly debited from my account on the same day every month. And there is no reason for my monthly payment to not cover all of my loans unless the servicer ( s ) made an error. I have NEVER received documentation stating that my payments were short or that they weren't covering what was due monthly. This is incredibly upsetting. I have only worked in public service for these 7 years to take advantage of this program. I am sick to my stomach in thinking that I have been signing over close to {$1000.00} a month ( now {$1000.00} ) for years and there may be no return on the investment of my time, energy, and dreams. I could have done a million other things with my career and youth, that would have brought me joy but instead I took the responsible route professionally, made payments regularly, all to have XXXX XXXX XXXX   tell me I won't be done with my payments until XX/XX/XXXX and XX/XX/XXXX to qualify. This is infuriating. 

BTW, when I called XXXX  XXXX XXXX today they said it will take another 90 days to get me a document that explains exactly what went wrong with my 73 payments. So that means I will have been asking for them to resolve this for almost a year with no clear explanations. That is unacceptable. 


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

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to Equifax, XXXX and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) ( XXXX ), XXXX  XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  ACCOUNTS ( Original Creditor : XXXX XXXX  ) ( XXXX ) Please have the XXXX, XXXX and Equifax delete these items from my credit report immediately
Complaint sub-issue: Account status incorrect

XXXX XXXX has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted XXXX XXXX 3 times to resolve the issue. I was told XXXX XXXX switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
Complaint sub-issue: Investigation took more than 30 days

Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this account from my credit report
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested my online credit reports from XXXX, as part of actively working on my credit profile. 

Equifax is the only one of the 3 major CRAs to consistently deny my request each time, ever though I am confident of my correct answers to all the identity verification questions, all of which I have retained for my records and have gone over. 

The most recent Equifax denial message screenshot from XX/XX/XXXX is attached, the previous ones are identical. 

The offer to request by mail is not acceptable, because my recurring requests are time-sensitive and because Equifax has shown with its XX/XX/XXXX data breach and subsequent resolution failures that it can not be trusted with highly sensitive user data, such as copies of the types of documents requested. 

No issues experienced with XX/XX/XXXX or XX/XX/XXXX at all.
Complaint sub-issue: Account status incorrect

I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, XXXX updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reinserted previously deleted info

I have made settlements to XXXX and they were removed from my file and today I see they are back on my credit file with an opening date of XXXX 2015 which is entirely false. And, they even show duplicate accounts which are the same with a different name. I have disputed with XXXX but do n't have any results yet and I will dispute with the others too, is this legal for them to do this?
Complaint sub-issue: Was not notified of investigation status or results

Equifax is violating the HIPAA Law by reporting 5 medical accounts from XXXX XXXX that discloses the type of medical treatment received from XXXX XXXX and XXXX XXXX. This is a clear violation of the HIPPA Law.
Complaint sub-issue: Public record

unable to secure checking account because of information on credit report of Equifax. made several attempts to have information cleared but no response from Equifax. This information on credit report is related to notice of class action settlement. Case XXXX vs Equifax. Case # XXXX Violation of Credit Reporting Act.
Complaint sub-issue: Account information incorrect

I have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to Equifax, and XXXX several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including Navient to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show. 

Please remove these late payments off my credit report from navient. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I am attaching proof of this as well. Thanks again
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are over 34 inquiries on my credit reports that are not valid on all three reports.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person..

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that Filion to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted promptly
Complaint sub-issue: Account status incorrect

My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.
Complaint sub-issue: Problem with personal statement of dispute

At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to fix the incorrect name on my credit report. I have already sent out copies of SSN card, W-2 form, driver 's license, passport etc. Each time I got different response : 1. first few times they told me to send copies of ssn card, driver 's license etc which are exactly the same documents I have sent out.

2. then I called them and operator told me that despite sending out the documents, I had to call them in person in order to fix the name. This was never mentioned in their result letter. The operator told me that it would be fixed this time. This happened within a month after sending out docs.

3. then my name was still not fixed after a long time. I called again. This time another operator told me that the result was " SSN card is for work only ''. I pointed out that despite of that I did send out W-2 as well. The operator admitted that W-2 can be used for SSN purpose as well and tole me it be good this time.

3. then my name was still not fixed after one month, this time a 3rd operator told me that my documents are too old that they could not use. It has to be within 60 days. She asked me to send the exactly same doc again. But she had no answer when I ask why did she think the same story wouldn't repeat after I send docs again. 

Each time each operator told me different contradicting information. The whole process is delayed and ruined by their mistake but all they want to do is to ask me to repeat exactly the same process with no fix.
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. 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 finish 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 XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have complained to Equifax and CFPB on multiple occasions regarding being locked out of online disputes and access to my credit report. Even when the questions are answered correctly, I am blocked from accessing my report online to complete disputes.
Complaint sub-issue: Account information incorrect

hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my fed loan witch is incorrect there should be no late payments
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX