Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I didnt give permission for a friend to use my Identity by opening a Utility Account with XXXX XXXX XXXX XXXX, back in XXXX or XXXX. 

I reported to XXXX that my identity was used at their company and I did not authorize this use. 

Not only did they not do anything about that by going after that person XXXX XXXX themselves. 

They basically held me liable for this BILL. 

I have told them repeatedly disputed this repeatedly and here we are in XXXX XXXX How many years later? 
At least 12 years later. 

Even if it was XXXX when my husband and I moved out of XXXX we're still talking 10 years! 

What gives a company the right to basically castrized an innocent party with a bill that is not theirs in the first place and worse started in XXXX at the least, and yet they claim it was open in XXXX?? 

I have proof I moved out of XXXX and XXXX because I took a lease if you would like to see proof of that lease I have no problem showing you that the leases in XXXX why would I be getting electricity in XXXX? 

I want proof of that!! 
If I have to prove that this bill is not mine I want you to prove that it was taken out in XXXX in my name and how I opened it! 

I have that right as a consumer so I want to see any and all documentation. 
That has to with me opening an account with your company in XXXX or XXXX whatever you want to claim, I want to see it!! 

I will take them to small claims court. 

I know darn well I moved out of XXXX in XXXX! So why in XXXX 's name would I open an account in XXXX?????? 
IN XXXX  when I lived in XXXX and moved to XXXX in XXXX!! Check the voter registration!!! 

If this is not removed I will take it further, much further. 

Shame on XXXX for taking the word of a company over the facts of the consumer. 

Thank You!!
Complaint sub-issue: Reporting company used your report improperly

Upon my review of my consumer reports it has come to my attention that Mohela is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial instituti
on may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXXXXXX XXXX XXXX XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXXXXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the 11 accounts that need to be deleted off my credit report immediately 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: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute via letter with Equifax on XX/XX/XXXX and it is now XXXX/XXXX/XXXX and there was no response and Equifax is non compliant with the investigation an did not response in 30 days and do a proper investigation. The law states that they have 30 days to responded and to do my investigation. I asked for them to provide proof that I was late on XX/XX/XXXX on the XXXX account reporting on my credit report and they did not provide an investigation on the account in question to correct the inaccurate information within the laws timeframes which make them non compliance and in violation. I was never late on this account, all that I ask is that they correct the XXXX account as never late and to update the alleged XX/XX/XXXX late to a positive standing and showing the account as never late.
Complaint sub-issue: Account information incorrect

XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
Complaint sub-issue: Account status incorrect

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 3 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 information inaccurate

In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions.

As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record.

Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters.

If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers.

Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay.

Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers.

State agency has NOT provided any help in correcting this action.

XXXX XXXX   <XXXX> Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license.

Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX  XXXX XXXX  Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

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


Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXXXXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

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

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

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection Enhance Recovery XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Complaint sub-issue: Debt was paid

XXXX  has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX  receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. 
Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. 
This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN
Complaint sub-issue: Unable to open an account

I was in a US bank today to open an account myself I told to the lady that I want to open account and she said ok go and seat down I was waiting patiently because she was doing something on her computer after that she assess drop off a deposit and is still waiting for one another lady came out said wait and we will be with you so I'm still waiting for nobody else inside except me I'm just seating there if there is no drop-off deposit they working something inside the teller office then there is a woman came inside and they assess here I was thought maybe after this lady they will assess me then but I'm wrong because they do another thing again I feel I'm discriminate me because I am a XXXX, but I'm US CITIZEN ALREADY then I decide to leave because nobody want to assess me to open my account and when I leave nobody says anything US BAND IN XXXX
Complaint sub-issue: Account terms

As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}
Complaint sub-issue: Debt was result of identity theft

I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres a cellphone in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.
Complaint sub-issue: Received bad information about my loan

In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else.
Complaint sub-issue: Information belongs to someone else

This account is listed on XXXX  current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on Equifax as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, I attempted to secure a loan with my XXXX XXXX XXXX XXXX ( XXXX ), whom I've been banking with for well over 20 years, and have secured two separate loans between XXXX - XXXX which have been completely paid off years ago. 

After submitting my loan application via the telephone, I was informed that EQUIFAX has a freeze on my credit information, so my loan was denied. Naturally by having a hard inquiry done, my current credit score dropped approximately 40 points. 
The XXXX Representative, provided me with EQUIFAX 's phone number, and suggested I contact them to find out why there was or is a freeze on my account, which I did. 

I called EQUIFAX, and found out that somehow, they had me listed with the incorrect date of birth, and my name was missing my middle initial. After a short tirade by me over how that could be, when I've already have secured two different loans, and received a credit card all within the past 10 years, that all of a sudden, my personal information appears wrong in their system, which is negatively affecting my ability to receive any future loans. 

The gentleman i spoke with, stated that he was correcting the DOB information as we spoke, and that if I wanted to have corrections made to how my name appears, that I would need to send them copies of my DMV license and social security card information. ( I'm not comfortable sending that type of information about myself whether it's by FAX, or US Postal Service ) I was given a confirmation number from EQUIFAX ( XXXX ), and was told or assured that it was done and that I should have no further issues, and that my credit report had no freeze attached to it, and that I should reapply for the loan, with better results. 

I contacted XXXX again on XX/XX/XXXX, about 5 minuets after speaking with EQUIFAX, and informed them what the problems were, and they shaoud be fixed at that time. Another loan application was done, and another hard inquiry was done, and around XXXX XXXX, XXXX XX/XX/XXXX being that I wasn't notified earlier about my loan status, I was told that there was still a freeze on my credit from EQUIFAX, so my loan was again denied.. 

Obviously, I'm not happy about any of this, and I need help in getting this rectified. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA ( XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I enrolled into a debt consolidation company, one of the debts I enrolled went into collection, it went to civil court, I agreed to pay XXXX a month until debt is paid, I continue to get statements with the wrong amount owed, I called the collection agency several times and emailed numerous times and they refuse to update the amount owed, I explained to them that I want it fixed for the credit reporting agency and that because they are withdrawing the amount from my bank account, I would like it corrected so that they dont take out funds that I do not owe. The last statement sent they have balance at XXXX and the balance as of today should be XXXX I have made payments of XXXX dollars every other week since XX/XX/XXXX till the most recent XXXX XX/XX/XXXX, and they refuse to update balance owed.
Complaint sub-issue: Received bad information about my loan

I consolidated my private loans in 2008 over to XXXX ( XXXX XXXX at the time ) originally held by AES ( American Education Services ) and National Collegiate Trust. Since then XXXX has been the note holder on these loans. About a year ago I begin getting collection calls from XXXX indicating I had a balance remaining from when my loan was consolidated back in 2008 and it has been accumulating interest for almost 10 year. The balance they are saying I owe is {$3.00}, XXXX, most of that is interest on a balance that I never knew was outstanding to a company who no longer holds the notes to these loans. They have begun calling me multiple times a day and disclosed this debt amount to my husband on a line that he uses for work and was at work at the time. XXXX XXXX is not a co-signer or in anyway a party to this an should not be contacted regarding this matter. I only know now that this was them calling because it was the same number that called him, but no messages werre left explaining who was calling and why. This may be a third party collector, but they identify themselves as being the Trust. 

The contact given to my husband : XXXX XXXX XXXX XXXX