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

In XX/XX/2018, I've sent several dispute letters by certified mail to ( Equifax ). Disputing all misleading, unverifiable, incomplete accounts on my credit file but Equifax has repeatedly refused to follow federal law. They have sent me generic response letter claiming that they have somehow verified all disputed account and has deemed the accounts as accurate and complete. However, ( Equifax ) has not yet once provided me with any physical evidence as per federal law has to how they have come to validate the disputed accounts. I would like ( Equifax ) to delete or remove all unverifiable Accounts from my credit profile. As listed below. 

1 ) XXXX XXXX XXXX {$980.00} 2 ) XXXX XXXX XXXX {$1500.00} 3 ) XXXX XXXX {$2600.00} 4 ) XXXX {$1500.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX XXXX XXXX XXXX {$1900.00} 7 )  XXXX XXXX XXXX {$380.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried numerous times to get this company to be honest about my payment history during the first year of me purchasing the vehicle.On my credit report Ally financial has reported that I missed 8 payments back to back within the first year of my purchase. XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-60 days, XX/XX/XXXX- 60 days, XX/XX/XXXX-90 days, and XX/XX/XXXX-30 days. I hope you can see where I am going with this. It looks like I have  missed 30,60, and 90 days when it wasn't that amount of time between payments. I just purchase the vehicle. My credit is ruin by this reporting. I have dispute with company and credit beau with no results because this company have said they can do whatever they want. Not only was this vehicle over priced, I love this vehicle and made sure it was paid on time for the first year. After I was XXXX I called and told them I would be gone for the next year, and setup automatic payments in XX/XX/XXXX. Behold they reported I was late during that year also. I am severely XXXX over this issue, and I've tried everything to come to some time of resolution with this company.
Complaint sub-issue: Threatened arrest/jail if do not pay

NPS, XXXX XXXX XXXX, continues to contact my cell phone. I have spoken with them once, whereas they refused to provide me with any information about who they were collecting for, but told me if I did n't send them {$4000.00}, I would be served with papers the following day. They would not verify the name of the credit or provide me with any information that this was a valid debt. I sent them a letter asking them to verify the debt and also to cease communications with me and anyone associated with me. I have not received verification of the debt and they have continued to call. Today, they called my office and when I told them I could not speak to them at work, they said " Find, we will contact your Human Resources and start garnishing your paycheck. '' They did then call my Human Resources but then hung up on them.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, Equifax and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, XXXX, Equifax, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX, Ga. XXXX Dear XXXX representative, Step 1 : What is this complaint about? 
The complaint is about the fact that when I asked Equifax about how they verified the bankruptcy that they are reporting on my credit report, by writing a certified letter to Equifax, Equifax says that the courts verified the bankruptcy and when I contacted the courts and the courts just do not report any bankruptcies to the credit bureau at all. 

Step 2 : What type of problem are you having? 
Equifax is sending me the same letter over and over saying that the bankruptcy that they are reporting on me is from XXXX a third party they claim verified the bankruptcy and that the courts verified the bankruptcy too. However, attached is a copy of the letter that the courts sent to me saying that they do not report bankruptcies or give personal sensitive information out because they do not verify personal information. Also, Equifax says that they got the bankruptcy information from a third party called XXXX XXXX. 

Step 3 : What happened? 

When I contacted XXXX XXXX, they have removed the bankruptcies that they were reporting on my credit report. See attached letter please where XXXX XXXX has removed the bankruptcy. Also, Equifax is sending me duplicate letters saying the same thing that XXXX and the courts verified the bankruptcy, when it fact neither take responsibility for verifying a the bankruptcy that Equifax is reporting on my credit report. 

Step 4 : What company is this complaint about?

So, Equifax needs to remove the bankruptcy that they are reporting on my credit report because when I wrote them 3 certified letters asking to remove and delete the bankruptcy ( since they did not verify the bankruptcy ) but keep sending me the same letters 3 in all saying the same thing ; the courts verify which the courts say they do not and they keep saying that the XXXX did not in infact removed the bankruptcy that they had on my credit report. 

Step 5 : Who are the people involved? 

Equifax contends that the third party named XXXX XXXX gave the bankruptcy Information to Equifax, but XXXX XXXX has removed the Bankruptcy. Please see the letter that XXXX XXXX sent to me stating that they have removed the bankruptcy that they were reporting on me Please assist me in this very important matter and demand that Equifax remove the bankruptcy from my credit report according to the 609 fair credit reporting laws. 

Thank you in advance. 

Sincerely, XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On   XX/XX/XXXX ,  I became a tenant at  XXXX  at  XXXX   XXXX . I signed a  one  year lease.   Moved out after 10 months on   XX/XX/XXXX   because of I had another place that was available and afraid to lose this opportunity. I paid the  XXXX  month before I vacated.   There was {$870.00} still due..for 12 month rent.   I waited to see if the landlord could rent my apartment to someone else.   Sure enough they were able to rent to a new tenant on   XX/XX/XXXX .    Under Florida  State  law a landlord is not permitted to collect double rent on an apartment, therefore by law I was not to pay the landlord for the  XXXX  month.   The landlord without any notice with complete malice gave the debt to attorney Warfield for collections. The landlord gave me no credit for the  XXXX  month that I paid as well as requested collection for the  XXXX  month.   I did not know this was in collections occurred until receiving a phone call in   XX/XX/XXXX .    This is an error on  XXXX  counts. Please have this removed from my credit report.
Complaint sub-issue: Problem with personal statement of dispute

Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from XXXX  stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

Equifax also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.
Complaint sub-issue: Account status incorrect

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Complaint sub-issue: Information belongs to someone else

Spoke with a representative of XXXX, XXXX  and Equifax, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Complaint sub-issue: Problem with customer service

I have a POA ( Power Of Attorney ) to act on behalf of XXXX XXXX XXXX, the father whose daughter, XXXX XXXX, was a student who passed away in 2015. The father was the co-signer and has continued making payments since his daughter 's death. 

Since last year, I have been in continued contact with AES ( American Education Services ), the current student loan processor, seeking loan forgiveness. 

Except for this loan, all of the student 's other private student loans were forgiven due to death. 

In XXXX of last year, I'd located and contacted the original lender ( XXXX XXXX  ). I was told that XXXX  's policy is to forgive student loans when the student borrower passes away. Unfortunately, XXXX had sold the loan and had no record of whom it had been sold to. XXXX had no record of when the loan was sold ( ie. before or after the date of the student 's death ). XXXX told me that they had changed computer systems and loan processors and dated records no longer exist. I was directed to their current loan processor, AES, with whom I had already initiated contact. 

It took most of last year, to locate the loan with AES, to get them to agree that the loan should be forgiven, and to get them to request loan forgiveness. It also took most of the year before AES would divulge to me that XXXX owns the loan. Since last year, I have made THREE formal requests via AES to have the loan forgiven due to death. Each time, AES has sent a letter to XXXX making a formal request for loan forgiveness. XXXX has not responded to any of the requests that AES has made. 

The student was the father 's only child ; thus, the loss was and continues to be extremely traumatic. Every time that he made a payment, he relived the loss of his only child and grieves. I've explained this to AES countless times. In fact, the grief was so great that the father, against my advice, PREPAID a significant portion of the loan just to avoid the pain at payment time. 

Based on research that I've done, I believe that XXXX  has lost all records ( ownership paperwork ) for this student loan. XXXX 's failure to maintain or locate the loan record should NOT prevent them from forgiving the loan. 

I've attached a copy of an AES letter to me. This letter contains copies of AES letters sent to the father confirming the last two formal requests that I'd made to AES for loan forgiveness from XXXX. These documents have all of the relevant information needed to identify the loan.
Complaint sub-issue: Account status incorrect

Reference Credit Report # XXXX Equifax has continued to erroneously report the following items on my most recent credit report. Some of the items mentioned have been previously disputed and unmodified at all by Equifax. 

1- XXXX XXXX XXXX - XXXX ( balance showing on report XXXX ) - this account has been paid off with XXXX balance as of XX/XX/XXXX, yet 5 month later Equifax is the ONLY agency that continues to report that I have a balance with this company. XXXX XXXX XXXX has verified with Equifax and myself that there is no balance due on this account as of many months ago, but Equifax will not update the files 2- XXXX XXXX XXXX XXXX ( as of XX/XX/XXXX shows balance of XXXX ) - This account was papid and closed by consumer in XX/XX/XXXX.  However, Equifax will not update the file to show such XXXX balance. XXXX is reporting a XXXX  balance and account closed by consumer on all other credit agencies, but Equifax has not update data. This account should reflect a XXXX balance 3 - Inquiry - XXXX - Unauthorized inquiry that should be deleted 4 - Inquiry - XXXX - XX/XX/XXXX - Unauthorized Inquiry that should be deleted ***These inquiries were not made by me and neither was i notified of such.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account information incorrect

XXXX  report is showing a paid in full item from USBank as a negative item. I called USBank and they do not show they had ever reported the item.
Complaint sub-issue: Card was charged for something you did not purchase with the card

i was in a car accident where somebody came and hit my car from the back. The other party 's insurance company took the liability COMPLETE liability of the car and personal liability, * ( letter attached below ) following week i was having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i told them i was in an accident and i want to be seen because i am unable to continue to go to work and am struggling to work and having XXXX XXXX XXXX XXXX XXXX XXXX  the billing lady she asked me to fill a form and asked me to keep a credit card on file and mentioned * WE WILL NOT CHARGE YOU, WE WILL BILL IN THE INSURANCE COMPANY BUT ITS OUT POLICY* i was in such a trauma due to losing my job because of this and not being able to walk, being a XXXX student i was worried how will i be able to do clinical when my semester starts. So i get home and i see they have charged me i tried calling them they said oh we were not sure who to reach out to, i told them the lady in the reception made me fill out a form and she said that the insurance company will be billed it is just the policy to keep the card on file. they said we will look into it and since then they have not responded to me. i spoke to XXXX ( liability other parties ) insurance company they said XXXX XXXX never reached out to them. 

WHY am i being charged for it? I have the letter where they are taking this liability and the urgent care never even bothered to reach out to the insurance. 

** this transaction was NOT AUTHORIZED by me as i was lied to by the XXXX XXXX team and now they haven't been responding to my emails. IN TIME as a customer i reached out to my bank and placed a dispute they took nearly 2 months and came back to me closing in their favor where i even supplied all the documents they asked for ( attach below are all the things u will need, a liability acceptance and the bank denying the dispute ) it is an UNAUTHORIZE transaction when i was more concerned about being checked for my XXXX XXXX and injury. 

XXXX XXXX never reached out to my insurance, they falsely charged me and now they won't even connect me to anyone for me to resolve the issue with them. I should not be liable they need to contact XXXX insurance and come back to me with a PROOF that XXXX isn't taking or accepting to pay which won't happen because the letter attached below CONFIRMS XXXX accepting the liability.
Complaint sub-issue: Account information incorrect

On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my Equifax credit report that I owe them. XXXX did not respond within 30 days, so I filed a dispute with Equifax advising them of the non-responsiveness from XXXX. Equifax ended their investigation and advised me that XXXX 'XXXX is correct and they are still reporting wrong information. Equifax 's dispute number is XXXX.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by XXXX XXXX   or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.
Complaint sub-issue: Reporting company used your report improperly

Today, Equifax released a press release that there was a breach in there system from mid XX/XX/XXXXuntil XX/XX/XXXX. Around 143 million US had their information stolen due to unsatisfactory security techniques utilized by Equifax.
Complaint sub-issue: Attempted to collect wrong amount

I was contacted after my balance went to collections from a apartment community I had vacated from back on XX/XX/2018 with a written notice. 

I had a lot of financial hardships at that time that prevented me to pay on time and I did not have an address to provide for any mail that needed to be forwarded. 

I received a call from a representative at I.Q Data international who was very hostile and used threatening language towards me stating, that they will come after me. They continually harassed me for months at a time. 

They currently have a collection on my account that goes up every month due to interest but the balance is incorrect, which I tried disputing in I believe XXXX of 2018 through XXXX XXXX but it did not help. 

I went on to I.Q Data international website to see if I could find the amount due on the account and it shows incorrect. The balance reads the following : Original Principal Balance {$7400.00} Current Interest Balance {$2200.00} Current Balance {$13000.00} Current balance on my credit report States {$13000.00} When I add my Principal balance and Interest balance it comes out to : {$9700.00}. This is a HUGE difference. 

Please help me get rid of this collection, this company is hard to deal with and to communicate with and has reported false and incorrect information to the credit agencies. Documents are attached showing the balance discrepancy.
Complaint sub-issue: Information belongs to someone else

There are multiple accounts open in my name without my permission or authorization, including XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX New Jersey XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over XXXX inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help