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

Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with XXXX to delete account and pertinent documents were uploaded for validation. XXXX deleted account, XXXX DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX Home Mortgage  Account # XXXX
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

This company is reporting an unverified account on my credit report. Please be further advised, I dispute the validity of the alleged debt in its entirety.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield reported a debt on XXXX/XXXX/XXXX and reported the same debt again on XXXX/XXXX/XXXX to extend the statute of limitations, this is not a new debt.
Complaint sub-issue: Information belongs to someone else

EQUIFAX HAS REINSERTED 2 ADDRESSES ON MY CREDIT REPORT THAT I NEVERED LIVED AT, AND TODAY I RECEIVED A LETTER STATING THEY WILL BE REMOVING MY SECURITY FREEZE, WHY I DIDNT ASK FOR FREEZE TO BE REMOVED. EQUIFAX IS PLAYING GAMES WITH MY CREDIT REPORT AND CREDIT SCORE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with FSTPROGRESS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent Equifax a letter disputing the in Inaccurate and incomplete information on my credit report. I sent them proof of the inaccurate and incomplete information on my report and they responded with a stall tactic requesting proof of my identity which they already have. This I know because I have been disputing with them for a while. Enclosed will be that Equifax has been knowingly reporting inaccurate and incomplete information on my credit report as well as proof that I have been disputing with them. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( CLOSED ) Account Number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't close your account

My ex XXXX XXXX XXXX added me as a user in one of his credit cards. I never approved or used this card and he didnt pay on it and now it shows on my credit report. I called the credit card company and they said they couldnt remove me. I never got how he was able to Just add me and now Im more XXXX  with more of His debt without my permission.
Complaint sub-issue: Contacted me after I asked not to

Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.
Complaint sub-issue: Account information incorrect

I have just Today received from XXXX regarding a situation of what I believe to be tax evasion??? I received this 1099-A form today re : a terminated ( upon illegal foreclosure on XXXX ) this statement attached showing that XXXX XXXX XXXX  to be the lender now ( this keeps changing over the past few weeks ) It appears that XXXX is trying to avoid paying taxes on this closed account while reporting it as follows to Equifax as being behind 2 payments : CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Also see form 1098 look at ID numbers. is attached This was closed upon the illegal foreclosure sale on XXXX and also see the attached 1099-A form showing a different ID number for the IRS. What the XXXX is going on here???
Complaint sub-issue: Problem with balance transfer

I have a small business in XXXX, IL on XX/XX/XXXX I used a promotional check offered to me in the mail at 2.99 % for an insurance payment of {$2700.00} due on XX/XX/XXXX from my business credit card from XXXX XXXX XXXX, I have two other promotional transfers on the card totaling {$3800.00} used after that that are due in full on XX/XX/XXXX total at 0 % after looking at my statements for the year I see that all my XXXX payments that I have been sending every month since XX/XX/XXXX have been going to my 0 % balances and I am getting charged all interest on my XXXX at 2.99 % balance and it isn't going anywhere. 

They tell me they pay off the 0 % percent first always because its a business. 

This is totally a rip off, why would any bank or credit card want to cause a business to have to hang on to a 2.99 % balance due on XX/XX/XXXX when they have two other balances at 0 % not due until XX/XX/XXXX All I see is greed to get more interest charges to my business, I am totally disgusted! 

I would like someone to look into this to please let me know how this could be legal.
Complaint sub-issue: Information belongs to someone else

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX Balance : {$1400.00}
Complaint sub-issue: Trouble with how payments are being handled

I have attempted to reach out to Mohela regarding receiving a refund of {$15000.00} of previously made payments ( after XX/XX/XXXX ) so that my current loan balance becomes {$20000.00} ( I currently owe {$4500.00} ). 

I have requested a refund over a month ago and have not heard anything back, have not received a refund or had my loan balance reinstated, and I have no timeline on when this will happen. 

I have tried calling Mohela for an updated timeline many times, and each time I can not get ahold of a service representative. 

I need {$15000.00} refunded back to me ASAP so that I can get {$20000.00} forgiven when the form becomes available. If it takes much longer, I may be subject to interest payment when the pause ends on XX/XX/XXXX. 

This service is UNNACEPTABLE from Mohela. They refuse to give a timeline on when I will receive my money back, and I have been waiting well over a month.
Complaint sub-issue: Investigation took more than 30 days

Unauthorized account on my credit report
Complaint sub-issue: Problem with fees

Citi 's deceptive business practices when responding to customer inquires to close existing accounts resulted in me paying extra in fees and a negative impact to my credit report. I called on XX/XX/2020 to cancel my Citi Prestige card that had an annual fee of {$490.00} annual fee. The sales representative suggested, rather than cancel my card, I switch over to a no fee card. He explained if I switched over, the {$490.00} annual fee would be removed and there would be no impact to my credit report. I agreed to convert my card. After he told me the process was complete, he reassured me I do not have to worry about the {$490.00} payment and I would receive a new card in the mail shortly. 

I received a call from Citi on XX/XX/XXXX asking for a {$490.00} payment. The rep informed me that if I did not pay, they would furnish negative information to the credit bureau about regarding the aforementioned delinquency. I explained the XX/XX/XXXX call. They told me the they had record of it but I still needed to make the full payment today and they would attempt to reimburse me at a later date. 

The XX/XX/XXXX sales rep deceptively caused me to keep my account with Citi open. I am now without {$490.00} plus a negative report on my credit bureau as a result of citi 's deceptive sales practices.
Complaint sub-issue: Account information incorrect

XX/XX/2022 Called Equifax to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Complaint sub-issue: Their investigation did not fix an error on your report

There is two collection accounts from XXXX XXXX that is being reported to my credit file from Equifax, XXXX, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I first reached out to Credit Karma about the incorrect information being displayed for my Driver License and state of residency under their application. They reached back and stated that they would close my account to prevent any fraudulent activities and to reopen it I would need to send documents like Driver 's license and SSN for verification. After completing the process the information remained on my account as I waited for 2 months for any changes to take affect. I later reached back to Credit Karma on XX/XX/XXXX about the same issue and stating I never even resided in the state where they had on file for drivers license and that they were clearly mixing up my information with someone else of maybe similar names. On XX/XX/XXXX I reached out to credit karma again about the numerous attempts of resolving this issue and finding out there source from whom they get the information to try and dispute with them. On XX/XX/XXXX they responded claiming that there has not been any changed because they receive their information from XXXX  and that they can only update as soon as XXXX  updates there information. On XX/XX/XXXX credit karma reached back stating that the information regarding my XXXX  listed on there application is tied to the address entered on my Credit Karma account and also the states Motor Vehicle Commission. Conversations continued back and fourth for months me reaching out to XXXX, XXXX, XXXX, and even my local XXXX, to correct any information that may have been on any of those records. I reached back to them on XX/XX/XXXX stating I did all the above including receiving driver 's abstract from XXXX and none of the information they had matched what Credit Karma was displaying. They later replied on XX/XX/XXXX stating the information they had came From XXXX records and because of that they were unable to edit that information. Clearly this has gone no where now for almost 2 years and I need help your help hopefully resolving this issue.
Complaint sub-issue: Reporting company used your report improperly

Equifax irresponsibly stored and lost my personal information such as my SSN, name, address, etc. Equifax lacked any substantial or modern security within their systems and stored data in an insecure location. My personal information will now circulate throughout sources on the internet for the rest of my life. Equifax has not provided me suitable protection for such a data leak, with only a single year of free fraud alert services. Data like a SSN can never be changed, making a single year of protection almost completely useless. Comprehensive fraud alert services cost at least {$20.00} a month. Going forward, I would have to invest tens of thousands of dollars for simple basic alert protection over the course of my life due to this breach.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX a bill for {$600.00} from XXXX was sent to AFNI INC due to unpaid phone bills. The bills were in my name but but being used by a different person. This person fled continuing to use the phone and service. I have paid the collection service in hopes to have this resolved and the collection had been disputed. I received a credit reporting this month stating that this collection will remain on my record till XX/XX/XXXX and i am desperate to have this removed from my credit. I am not at fault and looking to resolve this as soon as i can. I was unaware that i was still being held accountable for this.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX  additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to XXXX and Equifax  information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.
Complaint sub-issue: Didn't receive enough information to verify debt

AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. 

Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. They were supposed to notify me of this in writing 5 days prior, & I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.
Complaint sub-issue: Trouble getting, activating, or registering a card

The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. 
The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. 
Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... 
Please Help!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've sent multiple request to equifax and haven't received a response in regards to my inquiry disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

Equifax has committed multiple violations of the FCRA. Please see attachments. 

Additionally, XXXX and XXXX have committed multiple violations of the FCRA concerning this matter. Both XXXX and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.