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

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES XXXX FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Complaint sub-issue: Reporting company used your report improperly

Equifax has violated my rights red handed and LIED shamelessly to the CFPB on a previous closed case in which they gave an answer they did not honor. This is a violation of my rights with civil fund penalties now needed per violation. I must be compensated for this by law sec 1681 and others state this black and white. this is also perjury. 

I will be showing this to the appropriate offices until compensation and accurate deletion is finished. I will not stop so keep closing these and I will escalate higher each time. 

Ive attached the closed response XX/XX/22 stating items were deleted and they lied only to avoid a open CFPB complaint they must response to. The credit report from today XX/XX/22 clearly shows they did not do it as stated and by law. 

ONY COMPENSATION PLUS DELETION WILL SUFFICE AT THIS TIME! 

XXXX old case showing violations XXXX THIS IS A NEW CASE AS WELL TO FIX SAME ISSUES.
Complaint sub-issue: Account status incorrect

I filled for bankruptcy chapter XXXX case number XXXX back in XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX. I included all of my debts which included a Citibank credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was {$730.00} and the debt was included in the list of creditors and was added. While I still in the active bankruptcy XXXX XXXX XXXX called to collect on the debt in XX/XX/XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XX/XX/XXXX, I was reviewing my credit report and XXXX XXXX XXXX is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor Citibank, the report shows that they will keep it on record until XX/XX/XXXX. Account number XXXX has is XXXX, date opened with XXXX XX/XX/XXXX.  My phone is XXXX.
Complaint sub-issue: Account information incorrect

XX/XX/2019 - I got a alert from one of my Credit monitoring services about my Credit file/score changing .Upon doing my research and looking at my credit files - I noticed my score dropped tremendously from a account I had not recollection of ( IC systems ) .. I called IC systems several times on XX/XX/XXXX and got no answer. Got a alert XX/XX/XXXX from the same credit monitoring service that my score has been compromised again - guess by who?? IC Systems reported this account 4 or 5 times in one month and thats not legal.. A different date and No validation of debt or nothing is not right .. I need answers!!! And I need them now!!!!
Complaint sub-issue: Personal information incorrect

I called Equifax and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
Complaint sub-issue: Debt is not yours

I was injured on the job and my company sent the claim on to a workman 's comp company which approved my claim. They paid some bills and then not others. After sending all the claim information to the hospitals and medical groups, there were still 2 outstanding bills that the workman 's comp company dragged their feet on and never paid. The medical providers eventually sent them on to collections ( against me ). They sent 2 claims on  to Grant & Weber. It took XXXX XXXX at Grant & Weber a year to send me my first physical notice for 1 of the accounts and then an additional 3 months later for the first physical notice on the second account. We have physically only received one notice per each account from them. My phone started blowing up with calls from unknown numbers ( no educated person would ever answer a call from a unknown number ), but never once left a message. Typical scam phone activity. My wife and I left MULTIPLE messages asking for a call back to get things figured out and taken care of. Also wanting to give them all the OJI information we had. My wife spent 2 full days trying to find out why the claims were not paid out initially and when they were sent to collections. We have NEVER received a call back. We have tried to talk to a " supervisor '' and left messages with the supposed supervisor as well. My wife even talked to the operator or secretary, whatever her title is and was told that XXXX XXXX usually doesn't get to the office until around XXXX and is usually gone by XXXX if not earlier. I finally was able to speak with him in person ... I asked him to speak with my wife as she had all the information regarding all the medical bills, OJI paperwork and was the one trying to get to the bottom of it. He told her he could see this was a workman 's comp case and she proceeded to give him all the info he needed and also emailed him the paperwork. He said it would take a day for them to " sort it out and get it to him '' as it all goes to a generic email address at the company. We asked for an update within a couple days ( both verbally and in the email ) to know that he received everything and he said he would get back to us. Unfortunately, he has not gotten back to us and we have once again left numerous messages trying to get an update XXXX will not call us back or answer his phone. I spoke with my company who wants to get this straightened out also but they can not get him to return a phone call. It is obvious XXXX XXXX and Grant & Weber , Inc. are not concerned with doing the right thing, they are just looking for some quick and easy cash. This now has been three months since speaking with him and getting the information and six months since we have received our first notice. We have done tons of legwork and have reached out to them repeatedly on an obvious OJI case but they will not do what is necessary on their end ( first of all returning our phone calls ).
Complaint sub-issue: Was not notified of investigation status or results

The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has reported false information on my credit for the past 2 years. The company that reported this debt never submitted any proof or verification that I owed this money. This debt was deleted from my XXXX report within 24 hours of submitting a dispute online however I have made several attempts by phone and electronically to dispute this fraudulent debt to Equifax to no avail. This is causing me great hardship as it is preventing me from obtaining housing. The XXXX XXXX in XXXX WA is alleging I owe {$210.00}, which I do not. This has caused my rental application for two apartments to be denied. This has caused me financial harm. I do not believe Equifax properly investigated this dispute. I believe Equifax simply posted this false debt on my credit report without any proof it was mine or that I owned or owed the debt. I want this false debt deleted from my Equifax credit report immediately.
Complaint sub-issue: Debt was paid

The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.
Complaint sub-issue: Debt is not yours

I personally sent a certified letter to XXXX  regarding a tradeline called IQ Data International on XXXX XXXX. XXXX never responded to my request to validate this debt after. I explained that the debt wasn't mind and shared that XXXX has removed the debt as it was not valid. After not hearing from them after 40 days. I sent another certified letter XX/XX/20 requesting proof of any documentation using a 609 B notification and Still no response. Lastly, I've sent out a letter on XXXX and I am growing frustrated as I thought if I ask for a copy or a verification to support any finding that they were an obligation to respond. Can I please get some help here, I'm not sure what I need to do next. Thank you
Complaint sub-issue: Information belongs to someone else

I filed a dispute with XXXX and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : Americollect Collections-Date Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
Complaint sub-issue: Account status incorrect

The account was paid in full on XXXX-19 and has not been reported or updated
Complaint sub-issue: Problem with customer service

I am sure this is one of many complaints, but this has been so outrageous and taking a huge toll on everyone involved.

PLEASE HELP US DEAL WITH MOHELA!! NO ONE can get through!! I have called for days straight and I am on hold for 2+ hrs plus!!! I can't get through and I am not the only one. This is absolutely unacceptable - we were all students and working to pay/deal with our loans. I am a working public servant - I serve my city. PLEASE hold MOHELA accountable for what they are doing, this is not right. We did not choose for our loans to be transferred to them. I am extremely worried and concerned for my loans and all those involved. 


They are purposely judging calls and not answering so that they can profit off student debt!!!
Complaint sub-issue: Deposits and withdrawals

After falling foolishly for a cryptocurrency scam on XXXX I tried to recover my money I sent via XXXX to two different fraudulent accounts in the amounts of {$500.00} and {$2400.00}. I contacted my bank on XX/XX/21 to stop the XXXX payment as they were still pending. PNC bank said they couldnt intervene until the transaction went through, and then I could make a report to try and recover it after they investigated. On XX/XX/21 they closed their investigation and denied my request to recover the funds with no explanation beyond not seeing a reason to do so. They have since frozen my XXXX account, which is inconvenient because thats how I pay my rent, but I am working to get that resolved. 

The below is the details of the scam I provided to the FTC in my report So a friend of mine, XXXX, posted about some cryptocurrency investment on XXXX- I found out later his XXXX  account was hacked, and this was not him who posted this. I asked who I thought was XXXX about the post, and he directed me to someone named XXXX XXXX on XXXX who claims to be a cryptocurrency trader. This person claimed to work for a company coin-hourly that does rapid cryptocurrency exchange, something I know zero about. He told me to make an account with the website. I did. Then I was to send {$500.00} to XXXX XXXX via XXXX- the associated info is XXXX and phone number XXXX according to the XXXX account. This was supposedly his XXXX. Afterwards I sent {$2400.00} via XXXX as my investment to his associate XXXX XXXX- the email associated with that XXXX is XXXX. I received an email from XXXX saying that my investment had generated profit and for me to withdraw it I need to confirm my account and pay the commission of {$600.00} via the XXXX XXXX  to some account XXXX. So I did that. It all happened very fast - there was a lot of back and forth and screenshots shared between me and this XXXX XXXX person to move this all along quickly. I was suspicious but I messaged XXXX through XXXX and he reassured me multiple times, but I was suspicious because the pattern of response didnt seem like him. Then, I decided to message him instead through XXXX. At which point, the real XXXX told me that his XXXX got hacked the day prior and he was locked out of it, so whoever I was messaging with on XXXX was not him. I confronted this XXXX XXXX via XXXX to ask for my money back, and as expected that has not happened. Ive saved most of the conversation through screenshots if you need them Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I recently open several disputes with Equifax. Most of them are finish, the problem is I haven't been able to see the results for any of them. Equifax has been sending me emails stating to see the results to go online but for some reason EQUIFAX has had my account locked out this entire time even now. The emails Im receiving now saying I have until the XXXX of this month to see the result. I HAVE CALLED THEM SEVERAL TIMES OVER FOR HELP!! AND HAVE BEEN LIED TOO AND MOST OF ALL I STILL DON'T KNOW WHATS GOING ON. I just got off the phone with them. I was told my information was NOT IN THEIR SYSTEM!! IM SO CONFUSE. I NEED HELP!! THANKS
Complaint sub-issue: Problem getting report or credit score

CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.
Complaint sub-issue: Information belongs to someone else

There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. Thank you.
Complaint sub-issue: Debt is not yours

Saw this on my credit report from NAR inc phone XXXX for XXXX XXXX  services in XXXX Idaho. 

I told them I never had XXXX XXXX in my life and have never lived in XXXX Idaho. 

They said to bad for you
Complaint sub-issue: Reporting company used your report improperly

My personal information was stolen when Equifax was breached.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was affected by the XXXX that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. https : XXXX Please remove any late payments from my account due to natural disaster.
Complaint sub-issue: Information is not mine

Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.
Complaint sub-issue: Trouble with how payments are being handled

This letter is a formal complaint that Nelnet Student Loan ( Nelnet ) is reporting inaccurate credit information. I am very displeased and highly distraught to find that Nelnet has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, Nelnet has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearance 's and deferment 's after XX/XX/XXXX. Since the late payments were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both Nelnet and the Office of the Ombudsman explaining that I have worked extremely hard to maintain my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I reviewed my credit report to prepare to buy a home in XX/XX/XXXX for my growing family now that my wife is XXXX  with our XXXX  child. I became aware that my identity was stolen and used to open various fraud accounts so I sent certified letters to each credit bureau to dispute and delete the fraudulent accounts. Tracking confirmations were received and I gave the bureaus more than enough time to review and delete the items. I have paid a monthly membership cost of {$29.00} to XXXX  for months and another {$24.00} to XXXX  and Equifax for months now keeping my credit reports frozen and locked. I have now spent a total of {$300.00} in mailing in my letters to each bureau and it is now XX/XX/XXXX. I have never gotten a response from the credit bureaus and it has been well over 30 business days since they received my items on XX/XX/XXXX. Tracking : XXXX XXXX, XXXX : XXXX Equifax and XXXX : XXXX  XXXX. I just reviewed my credit reports again and there are no changes in my file and now I have to wait longer before buying our home next month due to my rights being violated as a consumer with the FCRA. This is not right and I am now filing a complaint with the CFPB to expedite this matter and have these fraudulent items deleted immediately from each credit bureau. Thank you for your help so I can provide for my family as my wife is now due XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

There was a bunch of hard inquiries on the credit report which we never made any of them. We contacted the phone # s and they said they would clear them and they never did! They are still there and all the same day and week!!!!! 

XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX Texas XXXX ( XXXX ) XXXX - XXXX on XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid
Complaint sub-issue: Reporting company used your report improperly

My personal information was leaked by Equifax due to inadequate cyber security measures.
Complaint sub-issue: Keep getting calls about your loan

I have ad repeated issues with the collection practices of XXXX XXXX from the moment I graduated from university. On XX/XX/XXXX, XXXX XXXX contacted my sister looking for me and she is not authorized on my account nor does she have a phone number listed on the account to by contacted. I called and made sure there was no phone numbers associated with my account that didnt need to bling there. XXXX XXXX representatives straight out refused to let me know where they got the numbers for my family from. At the time, my loan was less than 60 days past due at the time and I had been making payments every single month. 

This morning, XX/XX/2018, XXXX XXXX representatives called me at XXXX which is not within the scope of the law.