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

I have attached my identifying documents, this is proof of identity for all correspondences for this communication. Equifax, the credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, Equifax produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my Equifax consumer report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX BIRCHWOOD CREDIT XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now
Complaint sub-issue: Need information about your loan balance or loan terms

Hello. I recently transferred from XXXX to Mohela. I've had 120 qualifying PSLF payments since XX/XX/2022. I have tried almost daily to call Mohela to ask if I either ( a ) should just continue to wait for final forgiveness, or ( b ) need to submit another employment certification form before XX/XX/XXXX. The average wait time is over 90 minutes. On multiple occasions the phone just hangs up or gets caught in some error recording loop. I have also messaged them twice and have not heard a response. I have been unable to speak to someone from Mohela. I am trying to identify how long I should wait for my loans to be " zero 'd out '' or if I need to submit another form.
Complaint sub-issue: Didn't receive services that were advertised

I am trying to apply for a mortgage pre-qualification, I went to Equity Prime Mortgage http : //www.equityprime.com/ this is their home page. I applied for a Mortgage pre-qualification, they sent me an email letting me know that they will contact me in 24 hour but is been a week and they do not contact me and when I contact them they avoid me and does not answer my question,, they keep asking more information and authorization and tell that they will call me back but they never call, when I contact them by text messages or by online chat they close the chat as soon as they get my name and phone number this is not right to me because I have email an agent from them and this guy never answer back
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 The creditor notified Equifax to remove the delinquent account due to the account being including in my bankruptcy. I have disputed this account numerous times. Equifax disputes shows its being report correctly. I have included a copy of my bankruptcy statement also verifying that the account was included.
Complaint sub-issue: Received bad information about my loan

I have a student loans with Fed Loan Servicing account # XXXX the interest rate is outrageous XXXX % for loans dispursed in XX/XX/XXXX and XX/XX/XXXX that is more than XXXX % above the current and previous prime interest rate.I have asked for assistance however they will not reduce the rate and will not allow any loan forgiveness even thought my daughter herself qualifies as a special educator. 
I am XXXX and trying to retire they will not allow my daughter to take over the loans nor will they work with me in other than my death there is no options for assistance. 

How can this be ok? I tried to help my daughter and at the time we were completely mis lead, my daughter was lead to believe she could transfer the loans into her name and that due to her occupation she would receive Teacher loan forgiveness. None of this ended up being accurate or true. Now I am stuck in a horrible situation.
Complaint sub-issue: Funds not received from closed account

in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I sent letters to Equifax to correct the inaccurate information on my report! This action was not taken off!! I sent 3 more letters still no actions taken!
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was purchasing airline tickets through the XXXX XXXX website. Upon checkout I had a total of XXXX. I was then offered a promotion to sign up for the XXXX XXXX XXXX XXXXXXXX XXXX to obtain XXXX statement credit, XXXX miles, and free checked bags for my reservation. I submitted my application was intstantly approved for a credit line of {$13000.00}. There was a message stating the card was ready for immediate use to complete my purchase. After entering the information the transaction was not authorized due to a {$3500.00} initial purchase limit. I called citbank to ask to have the intital limit raised to complete my purchase, they said there was nothing they could do, I even escalated to a manager. This promotion was predatory and misleading. At the point of purchase where the amount was clearly over XXXX it should have been clealry stated I would not be able to use the card for the purchase in which it was being promoted for. I had to give my socail security #, now this card is part of my credit profile, if I cancel it because it was misleading I will have a negative impact on my overall credit score which could imapct my ability to purchase countless products, services, and assets moving forward. I am a prisoner to this card.
Complaint sub-issue: Attempted to/Collected exempt funds

a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number.
Complaint sub-issue: Attempted to collect wrong amount

On or about XX/XX/19, Jefferson Capital Systems appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from XXXX showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with XXXX as well as with Equifax. On XX/XX/XXXX at XXXX XXXX, we received a message from a XXXX representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from XXXX regarding the correction. We 've talked many, many times with several XXXX representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.
Complaint sub-issue: Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. DP OF EDUC Account Number : XXXX BAL : {$0.00} 2. DP OF EDUC Account Number : XXXX BAL : {$0.00} 3. DP OF EDUC Account Number : XXXX BAL : {$0.00} 4. DP OF EDUC Account Number : XXXX BAL : {$0.00} 5. DP OF EDUC Account Number : XXXX BAL : {$0.00} 6. DP OF EDUC Account Number : XXXX BAL : {$0.00} 7. DP OF EDUC Account Number : XXXX BAL : {$0.00} 8. DP OF EDUC Account Number : XXXX BAL : {$0.00} 9. DP OF EDUC Account Number : XXXX BAL : {$0.00} 10. DP OF EDUC Account Number : XXXX BAL : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Complaint sub-issue: Debt was paid

ON XX/XX/13 I PAID MY TOTAL CHILD SUPPORT OFF THE AMOUNT WAS XXXX I NEVER RECEIVED A CLOSE OUT LETTER BUT I RECEIVED A STATEMENT THAT SAID THAT THE BALANCES WAS CLOSED OUT. ITS SHOWS UP ON EQUIFAX AS NO ACTIVITY BUT A XXXX BALANCE
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX submitting yet another CFPB Complaint to request that the Credit Bureaus update the disputed acounts reporting erroneous information on my Credit File! The Credit Bureuas are required to correct the disputed accounts under the provisions of the Fair Credit reporting Act. I took my time and carefully analyzed my Credit File and realized that despite the countless Dispute letters as well as CFPB complaints submitted, the Credit Bureaus have not corrected my Crediet File at all! I am submitting this CFPB complaint to request that the Credit Bureaus remove the late payment s from the payment history of the disputed accounts. I always make my payments on time I never missed a payment! Please correct the following accounts on my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$680.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$20000.00}
Complaint sub-issue: Investigation took more than 30 days

Credit reporting agency has not corrected errors on credit report in timely manner. Need misinformation removed from file.
Complaint sub-issue: Reporting company used your report improperly

CFPB Complaint ID # XXXX dated on XX/XX/2022 Equifax stated WE VERIFIED THAT THIS ITEM BELONGS TO YOU. However, dated on XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Equifax Information Services LLC is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code. 
Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Equifax ) to prove with documentary evidence that ( Equifax ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ) for each account ( s ) mentioned in CFPB complaint ID # XXXX. Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My data has been breach since XX/XX/XXXX XX/XX/XXXX and I still have not receive help by people that back my information scammers acting like I won an award and also my information was breach with XXXX and the three bureaus where my data was hack. I would hope to get help people using my information to get credit cards and ruin my credit history and use my social security and other data that should had been protected by the three bureaus and ftc.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX told XXXX XXXX a false statement said unauthorized transaction get me Owe {$4000.00} to Discover. I can not afford to pay {$4000.00} XXXX XXXX was doing XXXX with XXXX for two months but I'm going to defend discover and my credit report I got proof that XXXX XXXX is doing bank fraud
Complaint sub-issue: Their investigation did not fix an error on your report

Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX refuses to remove this account they claim I was paying with a XXXX XXXX checking account which I never opened up and have proof also credit first has confirmed this account as fraud already yet they still report it on my Equifax report and XXXX XXXX loan is fraudulent
Complaint sub-issue: Application denied

US Bank has ridiculously arbitrary credit issuance rules. Their ludicrous standards inhibit credit building and discriminate against those interested in credit education. I was denied because the obnoxious customer service representatives refused to pull my credit from a bureau with a comprehensive overview of my credit in favor of a moronic randomized bureau which discriminates against consumers new to building credit.
Complaint sub-issue: Old information reappears or never goes away

I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Complaint sub-issue: Didn't receive enough information to verify debt

Vance and Huffman LLC. has continue to contact and harass me into paying a debt of {$770.00}, I have not given this company written consent to locate any information on my behalf ; also such communication from a debt collector is prohibited because I cease and desist all communication. Reporting this fraudulent information to the credit reporting agencies is in violation of my federal protected consumer rights and all information shall be deleted permanently from your system. XXXX USC XXXX XXXX XXXX ) XXXX USC XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.
Complaint sub-issue: Information is not mine

Why is Equifax allowed to claim that accounts are mine when the company 's claim they have not told Equifax this and Equifax refuses to send the information sent to them by these companies. No wonder most credit reports have errors, it is like Equifax is a daycare.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I disputed a charge on line but made a mistake on amount ) $ value. ) So I withdrew the dispute and could no longer dispute on line. I tried to dispute through their chat service and after 2 days and multiple chats they told me they could not help. So I called the credit card company and after speaking with 5 different people they did not help with dispute. I finally asked to speak to someone about canceling my card ( after 1 hour of trying to resolve ) so they tried to transfer me but hung up and canceled my card without my authority. I never said cancel the card I asked to speak to someone about canceling hoping for help with my dispute. I use the card for over {$100000.00} a year in purchases and pay on time 100 percent of the time. I have an excellent credit score. Citi was my credit card bank. Never again will I use any Citi card.
Complaint sub-issue: Reporting company used your report improperly

I have submitted multiple complaints/disputes to XXXX, equifax and XXXX in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX. Equifax and XXXX has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.
Complaint sub-issue: Reporting company used your report improperly

: I XXXX XXXX XXXX of XXXX, XXXX non legal fiction have been back and fourth with this corporation for years as : I have stated in the past that Equifax inc has XXXX reporting inaccurate information on me for some time causing me to pay higher interest rates, being denied Credit opportunity XXXX over wrongful scores as you can see in recent weeks Equifax has been reporting millions of wrong scores to consumers for some time. 
putting : myself into a bind for my credit worthiness. 

pursuant to 15 usc 1681 ( a ) ( XXXX ) Equifax assumed their role in assembling and evaluating consumer credit and other information about consumers, : I XXXX living man never gave Equifax permission nor consent to report anything about : myself to report any information about me to said Equifax report. 15 usc 1681 ( a ) ( XXXX ) states there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy. 
Equifax consumer report about me with alleged accounts that were never verified through personal family members, neighbors, and close relatives is unfair and impartial because i was never consulted to verify if the information was accurate nor even asked if i wanted alleged accounts to be reported at all. ( this is aggravated identity theft, for enjust enrichment ) Equifax has not exercised there grave responsibility as evidence by hundreds of inquiry and accounts by sending fictitious scores to millions including : Myself. and including fictitious accounts that have never been verified. this corporation has shown lack of respect to my privacy and never had my consent to buy and trade my personal information this is acts of war and treason. these actions are as well violations of Gramm-Leach-Bliley Act, refrenced by 15 usc 6801 and 15 usc 6802. 
( accounts and all inquiry must be removed immediately with a copy of my updated report thru mail at address XXXX XXXX XXXX XXXX, XXXX NH XXXX.
Complaint sub-issue: Reporting company used your report improperly

Lexis Nexis and/or XXXX XXXX reported information to credit bureaus when there is an active security freeze on my account with them.