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

I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!
Complaint sub-issue: Can't get other flexible options for repaying your loan

Currently, my wife and I live below the Federal threshold for poverty. College Assist ( XXXX XXXX, MN ) has consistently refused to allow me to resume payments on my outstanding student loans by repayment based upon income ( Income-based repayment agreement ). 
At this time, they are offsetting my Social Security payments and forcing us to discontinue vital and necessary medications. My job as a Florida XXXX XXXX does not pay enough for us to make " standard and required '' payments. 

College Assist is nothing more than a collection agency or contractor hired by the Federal Department of Education to harass and intimidate Federal student loan borrowers who are unable to repay their loans at the " required minimum payment level. '' If it were financially feasible, I would engage a local attorney in order to deal with this collection agency. Unfortunately, there really is no " third-party arbitrator '' available to deal with situations such as this.
Complaint sub-issue: Was not notified of investigation status or results

Equifax/Equifax credit keeps sending me addressed to someone else.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # 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 XXXX XXXX XXXX : XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX XXXX  : # 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 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: Problem during payment process

On or about XX/XX/22 I applied for a credit card and given a {$1400.00} credit limit, I used a total of around {$300.00} XXXX some change, my credit score went down they cut the card off for about 2 weeks my score went back up, so they turned the card back on for me to use, i requested {$170.00} cash they never sent the money, but added it to my balance and now says I owe {$51000.00}. I made a couple of payments totaling {$27000.00} since XX/XX/22 and tried to get the correct balance to pay them off in full but they keep saying I owe them {$510.00} eventhough I already paid them {$270.00} XXXX the XXXX XXXXXXXX change I borrowed, they refused to give me a correct statement balance, I've tried over XXXX calling asking for a manager, yet they keep saying I still owe {$510.00} which is not correct, it should be at most {$100.00} or less they refuse to give me a balance to pay them off at one payment, PLEASE HELP?
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. 

I want proof that in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER XXXX. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. 

XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$2300.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.
Complaint sub-issue: Account status

I have contacted Equifax seral times within the last three months about some incorrect reporting XXXX. They keep saying that XXXX XXXX is reporting this information. This is not true. XXXX is reporting these XXXX accounts with the correct balances. They sent me a credit report dated XX/XX/XXXX2015-XXXXreporting balance XXXX is incorrect-the balance is XXXX XXXX XXXX reporting XXXX is incorrectly-the balance is XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number 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 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: Reporting company used your report improperly

I would like to state that Equifax, XXXX, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If Equifax, XXXX, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Complaint sub-issue: Account information incorrect

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and Equifax is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
Complaint sub-issue: Didn't receive notice of right to dispute

Credit Card Debt FRAUD from Best Buy purchased by XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a dispute with Equifax for an account with XXXX XXXX XXXX  that is still reporting. I stated it needed to be removed because the DOFD is showing XX/XX/XXXX and pointed out that there is a huge discrepancy in how this trade line was reported to the credit bureaus. 
This account naturally aged off my XXXX credit report XX/XX/XXXX and was removed from my XXXX  credit report XX/XX/XXXX. The DOFD reported to Equifax is an EIGHT MONTH DIFFERENCE from Experian. 
Equifax sent me an email on XX/XX/XXXX stating dispute is complete and added the remarks : Account previously in dispute - Now resolved by data furnisher. 
Obviously Equifax has done no real investigation and is merely parroting what XXXX XXXX XXXX  told them. 
How does XXXX XXXX XXXX  report a DOFD of XX/XX/XXXX to XXXX, and then wait EIGHT MONTHS to report a DOFD of XX/XX/XXXX to Equifax?? This is grossly erroneous and I have recently been denied an auto loan because this also is reporting as a recent derogatory. 
XXXX XXXX XXXX  has unlawful reporting practices. I filed a dispute against XXXX XXXX XXXX  in XX/XX/XXXX because they reported my account as Charged-Off and Sold to Another Lender, yet they were still reporting a balance even though they sold the account several years before. 
I have also asked XXXX XXXX XXXX  to provide documentation in XXXX to substantiate the information being reported to the credit bureaus. They produced no paperwork. It is illegal for any creditor to change the DOFD,  but clearly XXXX XXXX XXXX  has done this and Equifax just looked the other way. 
I want this XXXX XXXX XXXX  account removed from my Equifax credit report because the statute of limitations has expired and my reputation is being damaged.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, On XXXX XXXXXXXX 2021, my email and and CITI BANK credit card info was compromised/stolen, at which point these individuals created three fraudulent XXXX listings. They then used my email info to setup an XXXX account and made three fraudulent purchases with my Citi Bank credit card info. These individuals went further to create three fraudulent UPS tracking # 's and submitted them as part of their shipping invoices to XXXX. 

On XX/XX/XXXX, I notified Citi Bank of the fraud, and disputed the three fraud transactions : {$37.00}, {$230.00}, {$330.00}. I also contacted XXXX fraud management on XX/XX/2021 and XX/XX/2021 via phone. -- XXXX verbally acknowledged the fraudulent activity came from a blacklisted IP address and the listings were bogus. I stressed to them the importance of stopping payment and cancelling these fraudulent activities. XXXX sent me emails to provide as evidence to Citi Bank. 

I presented Citi Bank evidence of XXXX recognizing the fraudulent activity ( email correspondence ), evidence that I was never shipped any items ( doorbell video ), along with the evidence that the fraudulent XXXX transactions were for items that were obviously labeled as fraud -- for example I was charged {$240.00} for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Of three fraudulent disputed charges, Citi Bank has refused to reverse 2 of them : {$37.00}, {$230.00}, -- and yet inexplicably reversed and credited me the third charge, of {$330.00}. No reasons as to their investigation findings, or why they would only credit one of the three disputed charges. All three disputed charges occurred at the same time, and with the same vendor, and with the same circumstances. 

I have prompted Citi Bank to revisit my case and review my disputed charges. I've provided copies of my XXXX correspondence verifying the fraud took place and yet Citi Bank will not acknowledge the evidence.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending numerous letters to Equifax for them to remove the account that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with statement of dispute

The resolutions given by the agency for the previous case were to validate all accounts and to state that I was disputing the accounts that were correct when my issue were with the ones that I could not verify on my report. Once I received the mail response I used the confirmation number on the report to file a dispute online, providing statements from the guaranty agency collecting my student loan and all of my loans from the national student loan data system. I had requested an update to the account statement one the student loans I was not in dispute with. The resolution from the full reinvestigation came through today, and for the accounts that were not reporting correctly the result of the investigation was to only remove the historical data. The balance, open status and incorrect statement on those accounts remain, but there was no mention that any of the remaining information was verified by the source as done with the issues with the student loans that were not in dispute but I was wanting the statement that I was disputing them after resolution changed. For those accounts, they refuse to remove the additional information because the source reported it that way, but I never disputed with them and in fact I am close to fully rehabilitating those accounts and have no issue or complaint with them. Any dispute was made from however Equifax presented their request for verification of my loans. I keep disputing the agencies claim that I 'm disputing those accounts after resolution solely because they investigated the incorrect accounts from the start of the investigation and did not look further into the ones that I knew were incorrect until I provided more statements to show the error in those reports. I have never needed confirmation that the verifiable accounts were correct, I knew they were and it frustrates me that they refuse to clarify the error caused by their lack of due diligence. I the issue clarified with the source that their accounts were never in dispute with me, despite what Equifax has told them so that they can remove that statement from my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called XXXX  & equifax and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX two purchases were made ( home depot states they were online ) and charged items were picked up at home depot in XXXX fl. we called home depot once we received a stmt and noticed the charges, they closed the acct sent new cards and reversed the charges pending a fraud investigation. the credits were reversed so we called and they said that the receipts were signed with my husbands name we argued that we live in ohio and that we wanted the signatures on the receipts compared to his drivers lic-which we faxed them we also requested a copy of those receipts that they were comparing the signatures to ( we never received them ) we did hear back from them so a couple weeks later we faxed a formal dispute letter. still did not hear back for like a month and when we did they said that based on their review we are responsible for the 2 charges. i don't understand how they can make us responsible for purchases we did not make -- someone signed my husbands name and i know for a fact that if the signatures were compared one would see that it was not XXXX that signed for them.
Complaint sub-issue: Personal information incorrect

I am writing this due to non-compliance by Equifax. They have failed to remove information that was affiliated with personal details that were successfully challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
The items listed below were affiliated with personal identification information which was challenged and removed. These items as listed in my Equifax file are : ITEMS Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Chapter XXXX Bankruptcy REFERENCE # XXXX
Complaint sub-issue: Account information incorrect

Omega RMS has yet to verify that I this balance is indeed mine. 

*Initially they reported the principle balance being : {$12000.00} *On XX/XX/XXXX they added interest and fees totaling : {$16000.00} *I filed a complaint and on XX/XX/XXXX they were removed from my XXXX  report *As of XX/XX/XXXX they are back on my XXXX report totaling : {$18000.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Complaint sub-issue: Debt was result of identity theft

Company called XXXX XXXX has ruined my credit for past 4months ... I have disputed it Numerous times ... .that I have no knowledge of this debt ... please help me delete and update my credit file.. 

Sincerely