Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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. us bkpt ct XXXX XXXXXXXX refrence number XXXX, XXXX XXXX XXXX  account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Personal information

Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. 
Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? 

Thank you.
Complaint sub-issue: Information belongs to someone else

I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Attempted to collect wrong amount

Failed to provide any documentation as to the validity of dept, harassing phone calls unauthorized emails bombardment
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 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 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.

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 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 canceling credit monitoring or identify theft protection service

Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

Sincerely, XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

I was advised that my student loans were not going through but they did i incurred additional cost they say current but sold and transferred i have several with interest and im still in school butr its a whole page and more on my credit
Complaint sub-issue: Debt was paid

Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???
Complaint sub-issue: Attempted to collect wrong amount

equifax has XXXX amounts on my credit report in collections with no information on them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Citi credit card had a balance transfer I call the credit card company to file a fraud dispute they say is nothing I can do because it was sent to XXXX  XXXX account, I explain to them I don't have XXXX  XXXX bank account checking or saving personal account
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX  XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.
Complaint sub-issue: Information belongs to someone else

XXXX AND Equifax has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of EdXXXX Dept of Ed/XXXX US Dept of Ed
Complaint sub-issue: Account information incorrect

The company knowing, willing and intentionally reporting false credit information to all 3 credit agency 's in there effort to deny my right to cancel private mortgage insurance. 

On XX/XX/2020 I requested the cancellation of PMI insurance and was denied. On XX/XX/2020, I made a second request and was again denied. On XX/XX/2020 I made a XXXX request and in XX/XX/2020 the company falsely reported that I was more than 30 days delinquent in making my XX/XX/2020 payment. On XX/XX/2020 my 3rd request was again denied for being more than 30 day late in making my XXXX payment. 

On XXXX XXXX I was denied a personal loan from a financial institution that I had a perfect credit relationship with for more than 5 years due to the false XXXX reporting by the company.
Complaint sub-issue: Reporting company used your report improperly

Equifax implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''
Complaint sub-issue: Debt is not yours

These 2 accounts from the same company were wrongfully documented and incorrectly pinned under my name.One was resolved and removed from my credit report, but the second one is still on my record/XXXX  credit report showing a balance of {$400.00} opened XX/XX/XXXX. I do not have any knowledge of this company as they still have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 7 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to respond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 3 ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXX XXXX XXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.
Complaint sub-issue: Don't agree with the fees charged

This loan was reinstated to AES on XX/XX/XXXX. The agreement was for me to resume payments starting XX/XX/XXXX. My balance on loan was XXXX AES block me from being able to login to my account. They reported to dept of education that I was delinquent on my account for 60 days in XX/XX/XXXX. XXXX said my account was reinstated on XX/XX/XXXX, XXXX AES accrued interest on this loan since XXXX XXXX AES refused to send any information via USPS. By the time I could login to my account the balance was thousands of dollars more then the starting point that it was supposed to be. I have contacted them with no results. With covid-19 the NY attorney general 's office was not able to help me as they did before. I contacted FSA ombudsman. They were trying to get information from AES for months. AES said too much accrued interest was added on to my balance & they could not do anything. AES withheld information from me from the start. This XXXX parent loan in the amount of XXXX is now over XXXX and rising. AES has made it impossible for me to afford payments on this loan. The agreed amount was to resume at XXXX AES manipulated this loan behind the scenes without my knowledge. Now it's out of control & now I can not afford payments. This has been a nightmare for me trying to get answers from AES. AES purposely mislead me so they could accrue interest on this loan. Thank you for your help with this matter.
Complaint sub-issue: Problem with personal statement of dispute

Inquiries affect your credit score typically weighing it down to a negative impact ;
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is erroneously reporting a bankruptcy on my report and is refusing to remove.
Complaint sub-issue: Problem with customer service

In XXXX XXXX I filed for a Ability to benefit discharge request with XXXX for my 2 federal student loans. fast forward to XXXX XXXX XXXX XXXX i received the FIRST communication about the request and that my 2 loans are now in default. ECMC ( the guarantor ) of my two loans paid XXXX off without my knowledge and put them into default. My loans have NEVER been late or missed payments. ( always have had an income based repay plan of {$0.00} per month or deferments ) When i received the letter from ECMC all i received was a notice of default. Nothing about my ability to benefit discharge request. I immediately got in contact with their Ombudsman who i spoke with in XXXX XXXX, XXXX and she told me i was sent a " borrower statement of intent '' and a denial letter in XXXX XXXX ( which i never received ) this Borrower form is supposedly crucial to the process of the discharge requests and since mine was denied, i have to either ask for a dept of ed appeal or acknowledge my loans within 30 days of this letter. This information was not received nor was it sent out with any sort of certified mail ( Why would you send something so important without tracking? ) The ombudsman sent me my file, told me to fill out that borrower form and return it to her as soon as possible ( which i did -- sent back to her on XXXX XXXX XXXX ) I asked for the Dept of Ed appeal. The form also specifically states if your appeal is denied your loans will be returned to their original active repay status and refer back to the lender ( which ECMC has refused to do/did not do ) I have a full paper trail proving the status of my loans prior to ECMC 's error ( they were not in late pay status or anything ) Now i have TWO collection accounts listed on my credit, has dropped over 100pts and cost us a home purchase. Dealing with ECMC is near impossible, they want money or nothing. I should not have to pay for their error. I want my loans put back to their status and back with the servicer and not as a collection account. I have tried going through the federal level ombudsman, i have tried going through the credit bureaus since they are reporting incorrect information. I refuse to try to " rehab '' my loans becuz they were never at the point of being close to Defaulted.
I am including a copy of the Borrower form, highlighting the paragraph. copies of my statements from XXXX showing i was on an Income based repay plan until XXXXXXXX XXXX XXXX ( amount per month is {$0.00} ) also an approval for a deferment until XXXXXXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I got my free annual credit report and noticed some accounts that were not mine. I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report immediately i will pursue litigation.
Complaint sub-issue: Reporting company used your report improperly

I am a real person a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times- listing incorrect accounts, reporting incorrect credit scores. Ive demanded these accounts to be remove directly and have already sent numerous disputes and they are still not removed. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts in the first place.

According to the law 15 USC 1681 the consumer reporting agencies exercise their great responsibility with fairness impartially and respect for consumers right to privacy. 

I demand the following accounts and inquiries to be removed from my credit report immediately. 

XXXX Partial acctXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Partial Acct # XXXX 
XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ... 
XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX i refinanced with XXXX XXXX XXXX around XX/XX/XXXX i had a roommate move out over night owing me XXXX XXXX dollars so i contact acted my mortgage company to ask them idf there was a temporary program to assist me for maybe 4 months if not less they informed me that there was such a program and advised me to fill out the documents that they would send me so i filled them out sent them back and waited XXXX weeks before contacting my servicer and was then informed to not make any payments until the loan modification was complete at that point i was current with my loan and was informed that it would not effect my loan or credit rating in XXXX of XXXX i was sent documents for a trial modification for XXXX XXXX and XXXX of XXXX and my payments would be XXXX so i contacted them and asked how this was assisting me when my original payment was XXXX they said ok that I needed to fill out another form which i did and again I received a trial modification for XXXX a month this was for XX/XX/XXXX XXXX and XXXX XXXX so i agreed and made the 1stand 2nd payment i tried to make the 3rd payment they said I had been put in a forbearance and when it was done I would pick back up with the trial modification so the last month of the forbearance I contacted my server and asked when i should start my trial modification payments and they then informed me that my trial modification had been cancelled and that i had to fill out the same documents to start all over again so i did and when the trial modification started for the XXXX time it was filed in the XXXX XXXX county courts and when I was on my second payment I was informed that my house was going up for sale the next day so I contacted a law firm XXXX XXXX and retained them they made me go file bankruptcy to stop the sale of my house so XXXX worked with my servicer and in XXXX of XXXX I started my XXXX trial modification it went from XXXX to XXXX and XXXX of XXXX the modification paper came to me the XXXX of XX/XX/XXXX stating starting XX/XX/XXXX I was to pay XXXX a month and that all the missed payment would be added to the end of my loan and my loan would be extended so every month from XXXX of XXXX I made my payments so in XXXX of XXXX I was contacted by a refinance co and started the process of refinancing only to find out that they had added nearly XXXX dollars to my loan and reported me as late for all the months they had me waiting for modifications so I contacted my servicer and asked them to fix the error they refused i sent evidence to all XXXX credit company and asked them to fix the errors so my servicer comes back and says they will mark me current from XXXX of XXXX to XXXX of XXXX and no data available back to XXXX of XXXX when my original trial modification started my servicer has lied to me and the new lender i am attempting to go thru i have all the evidence to prove every thing I've said in this statement i just need help
Complaint sub-issue: Problem with customer service

Sears informed me they would cancel the late payment fee XXXX as a courtesy and good faith. I followed up with them today XX/XX/20 because I noticed on my statement that the late fee XXXX was never waived as promised. I was informed that instead it was tackled onto my monthly payment for the month of XXXX and that it needed to be paid. Sears needs to keep their promise and waive that fee as soon as possible. They are also not adhering their message regarding Corona Virus and are imposing late fees to all customers
Complaint sub-issue: Their investigation did not fix an error on your report

Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report
Complaint sub-issue: Personal information

Accounts using name XXXX XXXX and XXXX XXXX XXXX, I have no middle name, also addresses I know nothing of
Complaint sub-issue: Account information incorrect

I have an inquiry on my consumer report that should not be there XXXX  XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.