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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected ; I received no email, letter, or phone call and instead had to discover it via social media. 
On top of it all, they had n't used encryption for any information. Anyone who could get into their systems can view all of your personal information, rather than getting access to the data, but not being able to decrypt it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These Items have been inquired without my permission. 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

15 USC 1681 section 602 A 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 mt written instructions, in addition they also violated 15 USC 1692c ( a ), and 15 USC 1692b ( 5 ). Documents uploaded shows proof. Accordance with the fair credit reporting act XXXX accounts were violated
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/20 I received a collections letter with intent of legal action from Jefferson capital systems LLC, claiming they purchased a debt of {$590.00} from XXXX and offered a {$450.00} pay off to avoid legal action and garnishing by XX/XX/20. 

On XX/XX/20 I sent a certified mail with return receipt validation request, it was signed for on XX/XX/20, it is now XX/XX/20 and I have not received any validation paperwork from the company, its over 30 days and they refuse to verify the debt as mine.
Complaint sub-issue: Information belongs to someone else

I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED,  USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Equifax had a security breach announced in XXXX 2017 and my information including social security number, credit cards, driver 's license etc. was compromised.
Complaint sub-issue: Information belongs to someone else

Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX by a recent investigation into the credit card account. Please remove immediately.
Complaint sub-issue: Can't get flexible payment options

Today my lender increased my private student loan payment, without my knowledge or consent. As it was before I was struggling to make the payments, and when I tried to reach out for a way to negotiate payments or change the payment plans, they told me that my loan did n't qualify for that. I also think that they might be underestimating how much money I pay in interest on my XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with VW which was paid off by the Dealer in XX/XX/XXXX-XX/XX/XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies.

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted XXXX over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result XXXX updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show VW Credit as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and VW incorrectly and now I am being penalized. I also am complaining against VW Credit US for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
Complaint sub-issue: Information belongs to someone else

Equifax has been assuming the role in assembling and evaluating consumer credit as well as other consumer information. Besides the fact that Equifax reporting false credit scores has lead to higher interest rates they have failed to exercise their grave responsibilities of fairness, impartialities and respect to my right to privacy.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be  errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXX   USA DPT ED/XXXX
Complaint sub-issue: Problem getting your free annual credit report

I go online to the website and get an error message each time. Six months ago finally got through to a live person and they promised to fix the problem, they have not. Now I try to get another person and their AI system takes information and then does not connect to a person. I have tried four times and wasted hours trying to fix the issue. I can not get a copy of my report without sending information about myself that could lead to Identity Theft if sent through the mail.
Complaint sub-issue: Their investigation did not fix an error on your report

NELNET CONTINUES TO REPORT A 1 TIME LATE ON MY STUDENT LOAN WHEN THE ACCOUNT WAS IN DEFERMENT
Complaint sub-issue: Information belongs to someone else

I have sent certified letters to the credit bureaus via mail time and time again requesting this false information be removed from my credit report as they are not able to be validated under the appropriate guidelines. I sent a certified letter on XX/XX/2019 requesting validation of the debt directly from Hunter Warfield to be provided and 30 days to respond to the validation request. I Received a letter from Hunter Warfield dated XX/XX/2019, where they acknowledged the receipt of my dispute a request for verification. They advised that they had not duty to comply with verification demands. I never requested verification, I requested validation including original signed contracts proving my contractual obligation to Hunter Warfield and/or a complete statement of account as required by law to be considered full and completed validation.
Complaint sub-issue: Public record information inaccurate

State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.
Complaint sub-issue: Qualify for a better loan than offered

I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into XXXX, have a XXXX XXXX, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a {$1200.00} mortgage, 10+ years of work experience, XXXX XXXX with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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: Public record

I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. 
I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. 
I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. 
I demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
Complaint sub-issue: Fraudulent loan

This is my responce to ally financial, this is my last warning to your corporation and final draw. 

The contract you sent me has signatures on it that my original copy does not have, this is constructive fraud, The law in this regard is relatively straightforward. A trust is not a legal entity and therefore lacks legal capacity. The trustee must undertake all legal formalities pertaining to the trust arrangement. 
CONSTRUCTIVE FRAUD Under contract law, a defendant can be liable to a plaintiff for constructive fraud if there was : ( 1 ) a false misrepresentation ; ( 2 ) in reference to a material fact ; ( 3 ) for the purpose of inducing the other party to rely on such representation ; 4 ) on which the other party did justifiably rely ; ( 5 ) which resulted in damages or injury; and ( 6 ) a fiduciary relationship between the parties. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX ( XX/XX/XXXX). 

Bad intent or dishonesty is not a requirement to satisfy constructive fraud. 

The elements for actual and constructive fraud are the same with two exceptions : constructive fraud drops the element of scienter -- knowledge on the part of the injurer of the representations falsity -- and adds the element of a fiduciary relationship. 

There's no lawful money to pay and debt which means constructive fraud is being performed in everyone that accepts credit cards and federal reserve notes which are " debt vehicles '' This debt is a obligation of the United States 18 usc 8 Banks do not loan money and its ur duty to borrow 12 usc 1431 Ally financial shall provide a bank statement from there personal account proving they loaned me money, since they are saying I owe them. 
You took XXXX down payment violation of 15 usc1605, you also violated cease and desist as your still sending me threats for repo when you never had possession of my property to begin with, that will be theft if you touch my personal property. As far as the repo man you shall warn him if he come and takes my property he will be breaking the cease and desist order and will be just as guilty in fraudulent activities, Also your 30 days has expired as my affidavit of truth unrebutted stands as truth in commerce and there is no statue of limitations on fraud you should have responded to my facts line by line in another affidavit but you failed to respond to it, and should have been no problem if everything you are saying is true Once again this is your opportunity to cure if not I will go further and you will not win this im a living man, original creditor, natural person. 

And have all evidence on fraud and my consumer rights that have been violated,
Complaint sub-issue: Public record information inaccurate

I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.
Complaint sub-issue: Reporting company used your report improperly

This is in reference to the hack of Equifax on XXXX and Equifax improperly securing critical identify information, where over a hundred million people may be affected. 

Furthermore, after taking manual steps to analyze and verify my credit information, I am unable to retrieve my credit report from Equifax through the government-mandated XXXX website.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX. I see that the last active dates are different. Dates of last payment are different. On my XXXX report it has been reporting C/O and on my Equifax the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are 2 accounts that are reporting the same mistakes. I have not received a 1099-c regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Complaint sub-issue: Information belongs to someone else

Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for XXXX XXXX. I called XXXX today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.
Complaint sub-issue: Debt is not yours

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting at XXXX  account # 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 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 



Creditor Contacts Creditor Name Address Phone Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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 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: Charged too much interest

Citibank knowingly and willfully misapplied a payment I made to my credit card account. They applied the payment to a balance with a lower interest rate first before applying the payment to a balance with a higher interest rate. This is in complete violation of The Truth in Lending Act. When I asked that they correct their error, they denied my request. 

Here are the details : Per my XXXX statement, ( Exhibit A ), the account balance was divided between two balance transfer offers. One offer was for 0 % that expired XX/XX/XXXX and then went to the standard rate ( over 19 % ). The other balance was at 1.99 % until paid in full. 

On XX/XX/XXXX, the day AFTER the 0 % balance expired, I made a payment of {$4400.00} as shown on my XXXX statement ( Exhibit B ). Earlier in the billing cycle, I had already made the minimum payment of {$81.00} on XX/XX/XXXX as also shown. 

In XXXX, the Credit Card Accountability Responsibility and Disclosure Act amended the Truth in Lending Act as follows : Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

However, Citibank violated this act by applying my XX/XX/XXXX payment first to the balance with the 1.99 % interest rate ( which essentially zeroed that balance out ) before applying the payment to the balance with the 19 % interest rate. I found this out when I called Citibank on XX/XX/XXXX and they said that my remaining balance {$860.00} was at the 19 % interest rate. I told the customer service representative that Citibank did not apply my payment per the law. The representative agreed and stated he would submit a request to apply my payment correctly. I called Citibank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see if this had been corrected. On XX/XX/XXXX, the representative said that Citibank had denied my request to have my payment applied per the law. 

Thus, I am filing this complaint as Citibank blatantly violated the law in order to illegally charge me a higher interest rate on my remaining balance.
Complaint sub-issue: Information belongs to someone else

I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do A Pay  for Deletion for this account that isn't even mine.
Complaint sub-issue: Debt is not yours

I have been trying to get this account taken off my XXXX  for over a year. XXXX  and XXXX  took the account off because it was not proven to be my account. I lived in apartments with my boyfriend and they had me put my social down for a background check but I never signed a lease with them. I was never contacted about the debt by anyone either.