Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.
Complaint sub-issue: Debt was result of identity theft

Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Complaint sub-issue: Personal information incorrect

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Public record information inaccurate

I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, Equifax & XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following listed accounts has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with fees

I never received my monthly bill for the month of XXXX. I called to have the paper statement mailed to me. By the time I got the statement I owed a late fee and interest fees.I called again asking them to waive the fees and they refused. I then wrote them a letter and they ignored it.
Complaint sub-issue: Debt is not yours

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.
Complaint sub-issue: Account status incorrect

This is a follow-up complaint against Homebridge financial ( previous complaint # XXXX XXXX. 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

Homebridge said they would remove the negative credit reporting. My credit history still reflects negative reporting from homebridge. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsHomebridge told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my XXXX I paid Homebridge what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX  in the XXXX  ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and homebridge is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with HomebridgeXXXX over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but Homebridge is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from homebridge, and transcribed copies of the recording/conversations.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Complaint sub-issue: Account status incorrect

XX/XX/2021 I called Equifax because I went on the XXXX website to check the status of a dispute that I did over the phone back in XX/XX/2021. I noticed that the disputes were completed XX/XX/2021. I called to see if they could release the disputes on their website like they have done in the past. Instead, the lady read me the disputes over the phone, and they claimed that the creditor verified the accounts as belonging to me. Somehow, they logged the dispute as all the accounts wasn't mine, when in fact I asked them to either correct the accounts or delete the accounts because the accounts were listed as being open but the payment history being listed as a charge off. A account can't be open but still charged off. All the accounts have incomplete information. They don't have the status of the accounts, the balance of the account, the highest balance, late payments, the terms or original creditor, and the responsibility. These actual accounts are incomplete.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?
Complaint sub-issue: Account information incorrect

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} showing on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : 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 XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

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

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XX/XX/2020 ;
Complaint sub-issue: Information belongs to someone else

Accounts with missed payments AUTO LOANS XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

The attached lawsuit .pdf, page XXXX, is at issue for my CFPB complaints regarding my student loans. In XX/XX/XXXX, AES made the same claim as listed on page XXXX. By doing this, they misrepresented themself and the related agency laws related to the agency of the federal government at issue in my loan. Other cases and appeals finally stated that AES is a simple corporation and could be sued. This is a XX/XX/XXXX case which clearly falls between my XX/XX/XXXX IBR communications with AES and my XX/XX/XXXX CFPB complaints against AES and XXXX XXXX XXXX. In those complaints I provided detailed information.
Complaint sub-issue: Information belongs to someone else

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference XXXX : XXXX Liability : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am loosing my house loan because Equifax is reporting erroneous information. I contacted Equifax about two accounts that were reporting incorrectly. The accounts were with XXXX and XXXX. The accounts were stating that I was late. XXXX reported that I was late by 30 days and XXXX said I was late twice in the last 90 days, in the incorrect credit report. They went back and reviewed the record and changed the reporting. I received letters from XXXX and XXXX stating this. I also received an email from Equifax stating this as well. Equifax stated that the dispute was verified by the lender. This is incorrect. I received a letter from each of the lenders stating the accounts were not late. AND EQUIFAX sent me an email saying that the account information was changed to " PAY AS AGREED '' and changed FROM not more than 30 days late on each account. HOWEVER, when I pull my credit report, it still show that I was late IN THE 81 MONTH HISTORY section of my credit report. So it says paid as Agreed on one side but when you expand the screen it still shows that it is late in my 81 month history with each lender and this is TAKING MY CREDIT SCORE DOWN by XXXX point and causing me to loose my house loan that I was suppose to close on. Somehow the attendants that answer the phone are restricted from seeing the online information and can only look at the same credit report that you get. This makes no sense. If the credit report is wrong, they should be able to look at the account information associated with your accounts and not just the credit report. SO if equifax offers the monitoring service, and equifax sends you an email, the attendant should be able to see all of the information and correct it. As it stands the company employees can not really offer much to help you. Both myself and the lender are reporting to Equifax that the information is incorrect and this company still will not correct my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, 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 a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to XXXX, Equifax, and XXXX  over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENTOF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX US ; DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Other problem getting your report or credit score

XXXX, Exquifax and XXXX  are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.
Complaint sub-issue: Problem with personal statement of dispute

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately.
Complaint sub-issue: Debt is not yours

RENT RECOVER LLC AND XXXX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.
Complaint sub-issue: Report improperly shared by CRC

Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Form 1099-C requirements XXXX account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).