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

Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Complaint sub-issue: Problem getting your free annual credit report

Unable to obtain credit report from all four known credit reporting agencies or even one : : It is my understanding a copy of my report is free of charge
Complaint sub-issue: Need information about my balance/terms

My servicer Fedloan is not acknowledging my offer to pay. I have been asking them for the orginial promissory note which they keep sending me blacked out copies of a promissory note not my note. I have sent them several certified mail letters asking for they contract with me that I signed for them to collect a supposed debt. They have violated several Truth in Lending and FDCPA codes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018.  Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Information is not mine

XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.
Complaint sub-issue: Account status incorrect

I hereby, request your assistance in my dispute against CITICard for wrongful reporting of late payment XX/XX/2018. I have contacted them in three separate occassions, but they have chosen to ignore my documentation and plead to correct my credit. They have unfairly, deceptively and abusively reported incorrect 30-Day late Reporting for Citicard ending account no. XXXX for XX/XX/2018. See attached copy of the Citi monthly statement for billing period XX/XX/2018 to XX/XX/2018, listing XX/XX/2018 payment dated XX/XX/2018. The statement XXXX payment late fee listed as XX/XX/XXXX was for the posted payment of XX/XX/2018, also listed here. Also find included statements for billing period XX/XX/2018 to XX/XX/2018 and XX/XX/2018 to XX/XX/2018, listing XXXX payment made on XX/XX/2018, due on XX/XX/2018. You can clearly see that XX/XX/2018 payment was not paid 30 days late. It was due on XX/XX/2018 and received on XX/XX/2018 by CITI. 

This documentation clearly shows that CITI is in clear violation of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), Unfair, Deceptive and Abusive Act Practices ( UDAAP ), and Federal Trade Act ( FTA ) by requesting a lower monthly payment amount to keep account current and still reporting XX/XX/2018 payment as late to the credit bureau. If you see, all other months in 2018, I had similar balances and lower payments were allowed and paid to stay current. 

CITI has caused me harm and undue reputational damage by having credit denied and paying higher interest on other debts. I was unaware about this late reporting, until I tried to refinance my home recently and the bank provided this information. CITI deceived me to my detriment. I had no way of knowing the wrongful and abusive practices in CITI credit reporting. 

If you have any questions, please call me at XXXX. 

Sincerely, XXXX XXXX XXXX Attachments : CITI Billing statements
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Complaint sub-issue: Don't agree with the fees charged

I was going to buy a house and they pulled my credit report and it showed my credit score went way down and it showed it was because I was charged interest on my student loans during the pandemic which it was supposed to be 0 % interest. I found this information out after my loans had been transferred to a different loan servicer. I have tried to contact XXXX to no avail. When I call MyFed Loans they originally said I had to call XXXX. I requested a report from MyFed Loans to see if they could tell when I was charged interest, it took over 8 months to get this information and then they did not want to assist me to get this corrected. 
I have contacted MyFed Loans at least 4 different times and no response back from them. Now I understand that MyFed Loans will no longer be my servicer so now I don't have any way to have this corrected. It is really upsetting that this made my credit score go down and it hurt my house hunting. 

What/who can I contact to get this corrected? 
Dates in question are on all my loans between XXXX to XXXX. 
The hardest thing to get anyone to understand is that XXXX charged the interest but my servicer is not MyFed Loans, so who do I report ( BOTH? ).
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX I was asked about my email, I then confirmed it after that I got an email saying with a pin that they said they needed to access my account after giving it to them I then got an email saying my password had been changed. After getting into my student account they had access to all of my information when they then verified all of my information with me. They then had me set up payment plans and got my debt card number. They then set up a payment for today of $ XXXX.They sent me emails of things to sign I did and then I got another email about forwarding my last two pay stubs to them to show my income to determine my average on what my loan payment would be. I sent them.
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX. I am writing to delete the following 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 nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Complaint sub-issue: Debt is not yours

DYCK ONEAL has violated my rights. 
15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Complaint sub-issue: Public record information inaccurate

LexisNexis is reporting 2 accidents as At-Fault, however there was lawsuits paid by the defendants insurance due to them being at fault. 

I contacted LexisNexis and they even said they are listed as No Fault, however there is an error and they are being sent out on the reports as BLANK, and left up to the insurance company to decide how they want to classify these. 

Driving record, and all other reports list them as No Fault, except LexisNexis. 

I contacted LexisNexis to resolve this, and they said it is up to the insurance carrier to correct it. However LexisNexis is the one reporting the inaccurate information, and according to the insurance company, it is up to LexisNexis to resolve it.
Complaint sub-issue: Information belongs to someone else

I opened a Macy 's store card in XX/XX/XXXX I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. Macy 's account team did not help me as they kept me reverting back to some collections agencyMacy 's posted many months of late fees on top of the ~ {$110.00}. the late fees added by Macys, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. Macy 's horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with MAcy 's customer service then Citi Bank ( macy uses for their store Card ) and spent hundred of hours trying to resolve. Macy 's customer service has been giving me different numbers each time I call. I filed a fraud claim with Macy 's explaining that my card was stolen but no support came in from Macy 's at all. It's XX/XX/XXXX and I still do not have any support. Macy 's customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX Macy 's gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

Macys has harassed my XXXX  and XXXX  with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as Macy 's have constantly failed me and I and begging for relief.
Complaint sub-issue: Their investigation did not fix an error on your report

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 Equifax and XXXX credit bureaus to validate these inquiries ( A ). 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 .It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

They say I owe money but I bought there credit protection which was suppose to take care of the whole amount because I was out sick for awhile. Then all of a suddent they keep calling me, threatening me, using bad language. I have kids and they are hearing some of this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

For a purchase in  XXXX  the transaction was transmitted incorrectly in  USD  instead of   XXXX  . The transaction was fo r 6 s odas at   XXXX   XXXX   XXXX   at   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . The transaction was made on  X/X/17   . I called  EDWARD JONES MASTERCARD CARDMEMBER SERVICE  at  XXXX  on   XXXX   after noticing the mistake on my credit card app. I made this call from the lobby of   XXXX   XXXX   XXXX   XXXX   while talking with  XXXX  from  Cardmember Service i n the presence of  one  of their representatives,  XXXX . She informed us that all credit card transactions in the hotel were done in pesos. The total amount of this transaction was  XXXX  pesos. ( about {$20.00}  USD ).  My   XXXX   XXXX     statement shows the transaction as  XXXX  USD. On   XXXX   XXXX   I received a credit for {$470.00} on my   XXXX   XXXX      E.J.    MasterCard statement.I lat er received a form from  Cardmember Service abo ut the dispute, filled it out and returned it with a copy of my receipt. In a letter dated  X/XX/17    from  XXXX  at  Cardmember Service it sta ted that there was insufficient information to support my claim of an incorrect amount and they would be reversing the provisional credit dated  X/XX/17   . I called  Cardm  ember Service   X/XX/17    and talked to  XXXX  and she could not help me. She had  XXXX  call me the next day and she told me that the copy of my receipt was illegible, that I had written on it, and that voided my dispute. I believe as  XXXX  had originally told me that this transaction was transmitted incorrectly by the credit card company not the merchant. I faxed a dispute letter concerning this dispute case #  XXXX  on  X/XX/17   .
Complaint sub-issue: Debt was result of identity theft

EQUIFAX has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I learned that Equifax 's databases had been hacked and my personal information was leaked to criminal parties. I was not informed by Equifax, instead I learned about the incident from news reports. Furthermore, Equifax did not disclose the hack for weeks allowing the criminal parties to use my information unseen. Equifax did nothing to inform me about the incident and nothing to help me protect my credit and my personal information.
Complaint sub-issue: Account status incorrect

Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate accounts
Complaint sub-issue: Unexpected increase in interest rate

Ive never been delinquent nor missed a payment. I paid off the balance and received a notice that the APR was increasing to 23.49 %. When I called Elan Financial Services, they informed me that it was due to the credit bureau report. My credit score increased by XXXX points to XXXX in the past month. This is a good credit score and there were 4 credit cards paid off so my debt decreased. Why is the APR increasing? This IS NOT a new credit card. There is no introductory rates as Ive had it for a few years. I will be attaching proof of my credit score via my XXXX credit card, the letter received from Elan and a copy of my account. This is abuse of financial power. During a pandemic, Im being punished for paying it off. They can no longer collect fees from me so they punish me for it. They must be stopped. This isnt fair nor right. I also tried to view my credit score per the services available to me, however, it kept routing back to the same page, basically, Elan says you can view your credit score for free but dont have this function/process active!
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following 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. 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. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them. Also, I was never late with XXXX XXXX as I have attached my document to show it.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 ) bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in XX/XX/XXXX and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for Credit Acceptance to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the  FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Fee problem

This has taken place over XXXX to XX/XX/2019. Moneylion touts savings for consumers and free atms. I have always been charged fees. {$2.00} every time I use my atm. They have no bank branches. Customer service always busy. Emails to support 2 never answered. Bank sends account balance errors with wrong amount. I feel they owe me {$120.00} dollars in fees. I want my free atms and refund then I will close this account.what they represented is not true for consumers.
Complaint sub-issue: Account status

On my credit report with XXXX it 's showing I have a debt in collections with XXXX of {$100.00} which I do not that information is incorrect.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a fraudulant card in the mail today. It is not in my name, but was sent to my address from " ReliaCard '' issued by U.S. Bank with a return address of XXXX. XXXX XXXX, XXXX, IN XXXX. Despite claims made online that they are there for us " 24/7 '' I have spent the afternoon and, now the early evening, waiting on hold for a real-life human being to inform me if I am a victim of identity theft.