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

Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX  – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX  was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY XXXX XXXX XXXXXXXX 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: Reporting company used your report improperly

I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. 

I've also left 2 messages since sending the letter with not response.
Complaint sub-issue: Information belongs to someone else

I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.
Complaint sub-issue: Debt is not yours

I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a CFPB complaint ( XXXX ) against Equifax for its refusal to provide information about a significant drop in my credit score preventing me from borrowing. I included a plot ( attached ) of my scores for the months in question, requesting Equifax to provide me with complete records including any derogatory information it had entered onto my credit file to make this happen. 

In its confusing short " form '' response a month later on XX/XX/XXXX, Equifax directs me to their website and also states it has sent me a letter in the mail on XX/XX/XXXX, three weeks before its online response. I did not receive any letters. Equifax should have sent its letter with its online response to CFPB. 

I am filing this complaint to again request Equifax to seriously and completely investigate my complaint, provide a list of all inputs to my credit file that made my credit score drop hugely, and mail its findings NOT to me but to CFPB so both CFPB and I can review it.
Complaint sub-issue: Information belongs to someone else

I was GOING OVER MY CREDIT FILE AGAIN I noticed that I have errors that are still a problem with Equifax. 1. Name is wrongly listed as XXXX XXXX XXXX XXXX 2. I HAVE 3 FILES WITH 3 DIFFERENT CONFIRMATION NUMBERS XXXX, XXXX, XXXX. I need these additional files removed ASAP they are not accurate. This is the 3rd time I have filed a complaint. I am not sure if the data has been updated properly or not? I found Fraudulent addresses and account with companies I have never applied for business with and I do not recognize these companies. 
The following accounts are fraudulent please remove/delete : 1.XXXX/XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX # XXXX
Complaint sub-issue: Personal information incorrect

myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.
Complaint sub-issue: Non-sufficient funds and associated fees

I bank with PNC Bank, they withdrew XXXX XX/XX/XXXX XXXX Overdraft Item Fee XX/XX/XXXX XXXX Overdraft Item Fee XXXX XXXX Overdraft Item Fee which cause my account that was not ( negative ) to become negative. 
I called PNC Bank, I was only able to ask that a manager call me back. When the manager did call me back, he was rude, arrogant and not helpful. 
He could not reasonably explain the charges, and was talking in circle. 
I just want the funds returned to my account.
Complaint sub-issue: Cashing a check

I am requesting again an investigation into Citibank in regard to a request to them advising me of who cashed a check from my account. A debit was posted to my checking account on XX/XX/20 with the payee of XXXX XXXX. I began receiving bills monthly from XXXX XXXX  and had medication held up due to non payment of my account. After calling Citibank beginning on XX/XX/20 and subsequently 15 times later, they have not advised me where that payment was deposited. They requested on XX/XX/20 that I get a signed affidavit of forgery from XXXX which I tried unsuccessfully many times to get. On XX/XX/20 I sent 3 letters, 1 to XXXX XXXX, 1 to XXXX XXXX and one to the Citi Executive response unit advising them of my efforts to comply with their request and a copy of the signed certified receipt from XXXX proving that they received the affidavit along with copies of emails to XXXX XXXX stating that she received it. I received no response. After speaking to a XXXX, ID # XXXX, I was told there was no record of receipt of my letter. Why can they not tell me who cashed my check and to what account it went to? I will not give up as now I believe that Citibank is somehow involved in this fraud. Please tell me who I can contact next because your intervention has obviously no effect on Citibank responding to such a simple request from one of their millions of middle income clients that keep them afloat.
Complaint sub-issue: Having problems with customer service

I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.
Complaint sub-issue: Their investigation did not fix an error on your report

I am formally requesting with this CFPB complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting in error : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/2021
Complaint sub-issue: Information belongs to someone else

These are accounts are incomplete and can not be verified on Equifax, please delete. 

# XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Complaint sub-issue: Information belongs to someone else

remove incorrect info FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 42 Months
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I did use Citi bank credit card class a leasing to learn commercial driver license they charge extra {$1600.00}. I ask they you charge me that money. They told me u gone refund but they never do it. I started dispute with Citibank. They send me information from them. They forging my signature. I told Citibank that is not my signature. I dont signed like that.if you see the signature some person signed.
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, Equifax and XXXX credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My Equifax account shows a negative reporting from XXXX dba XXXX XXXX  dated XX/XX/XXXX. I ceased doing business with Nationstar on XX/XX/XXXX when I signed a Grant Deed ( attached ) transferring the property to a buyer, thus allowing XXXX to be paid-off, and thus removing me as a client of XXXX and the closure of my account with XXXX. I no longer did any business with XXXX after that date as I no longer owned the property in question and no longer had an account with XXXX. Therefore, it was impossible for XXXX to report a " Derogatory '' status over one year later. This XX/XX/XXXX status report must be removed. Equifax has not done that. Equifax also is not allowing me to report this error to them because their on-line reporting system is consistently malfunctioning.
Complaint sub-issue: Account status incorrect

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Complaint sub-issue: Information belongs to someone else

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022 XXXX
Complaint sub-issue: Reporting company used your report improperly

A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.
Complaint sub-issue: Investigation took more than 30 days

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account 1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Debt was result of identity theft

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to XXXX. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX XXXX data breaches AND XXXX  breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.
Complaint sub-issue: Account information incorrect

I currently have four federal student loans serviced by XXXX XXXX Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 30 days and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will seek litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, Equifax XXXX and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

Equifax : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File #  XXXX - I 've sent 5 disputes and 4 pone calls
Complaint sub-issue: Was not notified of investigation status or results

I was denied employment last month because of wrongful info reported by Checkr background investigation
Complaint sub-issue: Account status incorrect

I was notified by XXXX XXXX today that my XXXX and XXXX XXXX accounts were negatively effected by a report by XXXX XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX   shows it is.