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

XXXX, EQUIFAX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with NFCU. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, XXXX equifax and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXXI would like the information sold to all 3, bureaus without my consent, causing turmoil for almost two years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE THREE BUREAUS
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

At the time Equifax had discovered they 'd been hacked on XXXX XXXX, XXXX, they allowed my personal information to be taken and several months had already gone by. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports and accounts on a weekly bases. 
I have been in contact with Equifax and I have a conformation number witch helps them monitor my account, so they say. I now have to sit and wait to see what happens? It 's now going to be a pain just to open a new credit card or any thing else. I 'm sure it 's just a matter of time before my accounts start getting hit
Complaint sub-issue: Account information incorrect

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to  the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Complaint sub-issue: Information belongs to someone else

The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... Americollect ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Information belongs to someone else

I was recently contacted by an occupant of a address I used to receive mail at, when I was homeless. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 MS SERVICES LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA MS SERVICES LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Complaint sub-issue: Trouble with how payments are being handled

I completed what was supposed to be an easy refinance of my current student loan with this company. Another company issued the payoff check of {$13000.00} and Discover confirmed receipt of the check on XX/XX/2017. However, they never credited the check to my account so my account became past due and subsequently reported to the credit agencies. I called in XX/XX/XXXX have this rectified, I was told it would be taken care of. I called again in XX/XX/XXXX once I discovered it had not been taken care of and they escalated my issue and told me they would charge off the unearned interest outstanding of XXXX. Checking again in XX/XX/XXXX, Discover Student Loans STILL had not charged off the amount and I escalated my matter once again. I received written confirmation that the amount of interest had been charged in error and that they had advised the three credit bureaus of the mistake to remove the delinquency. I checked my credit score today and it had dropped 100 points. Upon running my credit report, low and behold, there was the delinquent account from Discover student loans listed on all three reports. I have filed a dispute to all three bureaus, but I want Discover to be  reprimanded for their inability to follow through with basic financial customer service and borderline fraudulent activity.
Complaint sub-issue: Public record

( The State of California Franchise Tax Board ( FTB ) is the original data furnisher. Please do not refer to XXXX XXXX County records as the FTB should have the judgement vacated based on its records ). 
In XX/XX/XXXX the State of California Franchise Tax Board file a lien with XXXX XXXX county due to missing XX/XX/XXXX filing of taxes. The FTB account number was XXXX. Once I became aware of the issue I filed the XX/XX/XXXX taxes. The State of California FTB then processed the taxes and determined that I did not owe the {$2800.00} that was estimated. I did not have any tax liability and received a tax refund for the XXXX tax year. I ask that the lien be deleted from my credit profile as the final determination by the State California Franchise Tax Board was that I was not liable for the {$2800.00}. In this case, the judgement filed with XXXX XXXX County should be vacated by CA FTB and/or completely removed from my Equifax credit profile. Thank you for your attention to this urgent matter.
Complaint sub-issue: Reporting company used your report improperly

Equifax previously responded to my identity theft complaint citing : " Please be advised that inquiries are a factual record of file access '' 15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I keep getting calls from individuals claiming to be a debt collector for Afni. They refuse to identify what their company does without being given information first. I had to look up the name and have found that multiple people have been called/scammed by them. They have an automated system when you call their number back that provides a website, afnicollections.com, and it is a flagged website. I asked them to remove my number from their list but they kept wanting me to repeat my number and give them personal information ; name, DOB, etc. The number I keep receiving calls from is XXXX. When I answer the calls, I can hear lots of people in the background and it sounds like a XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, XXXX, & Equifax). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX
Complaint sub-issue: Information belongs to someone else

Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX  XXXX XXXX {$3400.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Cc : Consumer Financial Protection Bureau https : //www.consumerfinance.gov/complaint/ CC : Federal Trade Commission https : //reportfraud.ftc.gov/ # / CC : Office of the Comptroller of the Currency https : //appsec.helpwithmybank.gov/olcc_form/ CC : New York Attorney General Office https : //ag.ny.gov/complaint-forms I agent XXXX XXXX XXXX XXXX to the principal, XXXX XXXX, sent you a letter : document dated XX/XX/2022 to remove charge offs for accounts listed below : XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You, credit reporting agency, sent a response saying that the accounts were verified XXXX 

Pursuant to 15 USC 1681 ( i ) I agent, XXXX : XXXX, am expressing my consumer rights by demanding a description of the procedure of reinvestigation. In addition, I demand the answers the following questions : What was your method of verification? 
Who did you interview ( neighbor, family members and/or etc ) and what is the contact information ( phone number, email and/or etc ) and what was the interview date? 

Pursuant to 15 USC 1681, you have 15 days upon letter received to provide the demands stated above.

With Regards, Shaniqua-Ayesha : Rogers/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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: Debt was paid

I have attempted back in XXXX to get these 2 charges of {$1600.00} and {$950.00} cleared from my credit because it should have been covered by my son 's insurance ot the time of each incidents. I still don't understand why these charges were not covered at the time because my son was XXXX years old and was covered by state insurance here in Wisconsin.
Complaint sub-issue: Can't decrease my monthly payments

I am {$30000.00} in student loan debt because I am the last of XXXX children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use XXXX loans. Apparently they will not budge about deferment for XXXX XXXX or even helping with repayments, such as lowering payments since I will have a {$0.00} income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They are n't all on the same page and it is frustrating that I am now one month from departure and have no idea what to do. My monthly allowance from the XXXX XXXX will not cover each month 's payment.
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Threatened to sue you for very old debt

I sent this debt collector CBM Services Inc XXXX XXXX XXXX Michigan XXXX file # XXXX XXXX XXXX There phone number is XXXX Local # XXXX I sent them a Certified Letter on XX/XX/XXXX with return receipt regarding my debts that they say I allegedly owe. 
I was requesting a collection account validation. 
On the alleged debts that they say I owe upon. 
In my letter I advised them that if there is any violations of my federal and state HIPAA privacy laws violations of the Fair Credit Reporting Act violations of the fair debt collection procedures Act or definition of my character. 
that I would possibly take legal action against them. 
And in this regards they have 30 days to advise me and I have 30 days to comply. 
All I wanted was a credit or debt collector declaration. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
alleged amount. 
Address on file of alleged Debtor. 
Amount of the alleged debt. 
Date that the alleged debt became payable. 
Date of the original charged off or delinquency. 
Was the debt assigned to the debt collector or purchased? 
Amount paid if that was purchased? 
Commission for debt collector if collection efforts are successful? 

I called the collection agency yesterday XX/XX/XXXX because I received their correspondence with nothing that I requested on it. I spoke to a representative and she could not give me any information so she switched me over to her manager. Her manager then advise me it was not my business about the debt and thats what I owed.I asked if they obtained it or purchased it and for what amount and if there was a commission if the debtor was successful at collecting the debt nor she would not respond and said it was not my business if the debt was purchased or not and the amount that it was purchased. I owe what I owe and they don't have to tell me anymore about the alleged debt 's and they don't care it will stay on my credit 7 to 10 years. Her words end of discussion and she hung up on me.

I also advised her before she rudely hung up on me without giving me any information and her words or end of discussion click I said I had medical insurance XXXX and XXXX I was involved in a major motor vehicle accident in XX/XX/XXXX so I've been on Social Security XXXX ever since with XXXX and XXXX as my insurance. 
I'm requesting that you look into this for me and see what you can do so this doesn't happen to other people from debt collectors regarding medical collections. and the debt collectors don't even care about giving you information about circumstances or about a person 's credit report.. 
Also that's it's in violation of 3 major laws. 

Thank you very much for your time to read my complaint and help me to resolve it. 

Sincerely XXXX XXXX XXXX XXXX