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

The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Also states a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Account information incorrect

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.

1 ) XXXX/XXXX/XXXX XXXX  has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) Owen/PHH/New Rez has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/XX/XXXX
Complaint sub-issue: Debt is not mine

Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!
Complaint sub-issue: Information belongs to someone else

Equifax has refused to block information from my credit file as required by the Fair Credit Reporting Act Section 605B.

I sent a letter requesting the block on XX/XX/XXXX. Along with this letter was documentation establishing my identity and documentation supporting my claims that this was a result of identity theft ( e.g., my FTC Identity Theft Report, FBI IC3 Complaint, 2 police reports, and a criminal indictment ). This letter was delivered on XX/XX/XXXX.

According to FCRA 605B, Equifax is required to block this information within four business days of receiving the request and documentation. While 605B allows for companies to decline to block information, Equifax did not provide any explanation or claim under 605B as to why they were declining to block the information.

It has now been 10 business days. The information was blocked by both XXXX  and XXXX. Not to mention I have a letter from the creditor acknowledging cancellation of the debt.
Complaint sub-issue: Debt was result of identity theft

at the end of 2018 i statrt receiving a calls from collecting agency called pro collect in regards to lease apartment  at XXXX XXXX XXXX  XXXX  in Texas, so i thought it was a scams calls because i never lived in Texas i live in XXXX XXXX Nevada, then they sent me a mail with all the information, i went to XXXX XXXX police Department and i filled a Fraud complaint, i send i to the collection agency, the said this is not enough they still beieve it's me, and the XXXX XXXX Police department were not able to run invistigation Due to Jurisdiction matter, i report a theft identity and also send it to them a long with my ID and the lease for where i live in XXXX XXXX so to confirm that i was living in the different place for the same time, Also i filled online police report In texas but never get any reply from them, finally i filled a complaint with Texas attorney General and the refere me to report it here please this is on my credit report for the last two years and it's effecting me a lot and all the dates and details it's in the attachments
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :
Complaint sub-issue: Account status incorrect

i have tried several times with Equifax and each time they have come back claiming that it is being reported accurate and this item is being reported like its a credit account but it is a judgement from court i would your help to have this item to be reported correctly. 


Equifax Account : XXXX XXXX Account # : XXXX
Complaint sub-issue: Reporting company used your report improperly

I never gave Equifax prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX
Complaint sub-issue: Problem with fees

I have had a credit card with the company Elan for approx 30 years. 

I pay the card balance in full prior to the due date every month and thus have never paid any interest. 

Every monthly statement always shows a previous balance of XXXX and no interest charges. 

Suddenly in XX/XX/XXXX, the ( online ) statement showed that I had a balance due ; and that there were interest charges. I reviewed older online statements going back a few months and saw that the online statements were showing interest and overdue balances. However, I have previously downloaded copies of the same statements that show no balance and no interest due. So somehow, Elan went back in time and CHANGED the statements. 

After several phone calls and a lot of time spent explaining this, a manager finally admitted that they had back charged me for interest because they received a payment XXXX day late during XX/XX/XXXX. I pay electronically so perhaps this was over weekend or something, but I paid from my bank on time. But at the time the payment was XXXX day late, they did not charge me interest and I never knew about it. I still have the relevant statements showing no balance due for the ensuing months. If I had known they wanted me to pay them something because of the payment being XXXX  day late, I might have paid. But since they say I didn't, now they were trying to charge me for interest and fees accruing during the ensuing 3+ years. 

Finally the manager I spoke with said she would just waive all the interest and fees. Magically, the online statements were re-created again and now look like they originally did with no interest or fees. So I thought all was well, until... 

Today I went online to get my latest statement, and it correctly shows no prior balance. However, I see in another part of the website it says I owe what I calculate as an extra {$530.00}. I called repeatedly today about this, spoke to 3 or 4 people who were no help ; they just keep insisting the 'balance ' is right even though I have the current statement that shows it is wrong. 

This is very frustrating. I can't seem to get anyone on the phone that has any real knowledge. Maybe the smart people there are on vacation today. I have a perfect credit record and don't want it ruined because of this kind of a problem. 

The really onerous thing about this, which I think has to be addressed, is that Elan was somehow able to basically RE-CREATE all the past statements seemingly at will, changing the amounts owed each month, etc. Lucky I have copies.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the companies three months ago multiple times because I pulled my XXXX credit reports because I am in the process of purchasing a home and noticed a lot of inaccuracies a crossed all three credit reporting agencies. For example, XXXX of my accounts states I was late on XXXX XXXX  times, Equifax XXXX, and XXXX XXXX. Another example, one account reporting open on XXXX and closed on XXXX. There are also collections reporting on my reports I never did business with that don't belong to me. The Reporting Agencies refuses to remove unverifiable late payments and accounts. 
In 1970, The Fair Credit Reporting Act was passed into law to help ensure the accuracy, fairness, and privacy of the information in consumer credit reports. The FCRA requires Reporting Agencies remove outdated negative information and inaccurate information disputed by a consumer. Individuals have the right to request a copy of their credit report, to dispute incorrect information, and to ask for verification of the information contained within each credit report. 
If the Reporting Agencies can't validate or verified accounts with proof, the account must be deleted immediately. The reporting agency keep sending me documents stating accounts was verified without providing me proof. I keep asking for proper documents the agency 's are using to validate and verify account information but never received it. 
I just want fairness and accuracy.
Complaint sub-issue: Investigation took too long

Equifax failed to verify disputed items within 30 days. This is the second time this has happened. I certified mailed them over 60 days ago and still no response to my disputes.
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Complaint sub-issue: Other problem getting your report or credit score

On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX accounts 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. 
Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I FOUND A DEBT OWED TO XXXX XXXX ON MY CREDIT REPORT. I WAS NEVER NOTIFIED OF THE DEBT AND THE AMOUNT IS WRONG. I CALLED AND WAS GOING TO SETTLE THE ACCOUNT BUT IT SAID I OWED FOR EQUIPMENT WHICH I PERSONALLY TOOK BACK TO THE LOCATION ON XXXX XXXX IN XXXX OK. THE DEBT HAS NOW BEEN SOLD TO ANOTHER COLLECTION AGENCY IC SYSTEMS AND I WAS GOING TO PAY THE ACTUAL BILL BUT THEY REFUSED TO TAKE OFF THE {$120.00} EQUIPMENT CHARGE. I THEN CALLED XXXX XXXX AND THEY CONFIRMED RETURNED EQUIPMENT AND BALANCE OWED IS XXXX I TALKED TO XXXX AND THEN XXXX IN BILLING WHO REQUESTED A FORM TO CONFIRM THIS.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, 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 Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Complaint sub-issue: Information belongs to someone else

I reported the identity theft to all three bureaus and they all complied. Except Equifax who left one account on my credit file that I reported to the FTC and to the police that it was fraud from identity theft. However, Equifax told me they were not removing it, after I sent them all the documentation they needed. The account that is fraudulent and still reporting is below : XXXX Account Number- XXXX********** Account Balance- {$19000.00} Date Opened- XX/XX/2015 Thank you.
Complaint sub-issue: Application denied

Is there something attached to my personal information where I'm possibly linked to someone or something? No matter what falls off my credit or how I'm in process of repair. For 3 years straight. Everything thing I apply for, even the most redundant application, is always immediately an out right NO. It's affecting my life in the most detrimental way and having huge negative effects on XXXX XXXX. Enough is enough. Please advise if I am under a redflag or list that blocks all approvals. Or please advise. I have reviewed most credit reports and don't see anything life altering. Thanks.