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

I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that XXXX XXXX XXXX  has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. 

I am writing this letter in regards to the account XXXX XXXX XXXX  OPENED XX/XX/2019 BALANCE {$36000.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX. This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

I sent notice to XXXX, Equifax, and XXXX and nothing has been done about this and they are ignoring my letters and breaking consumer laws.The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. XXXX XXXX XXXX is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. 

The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that XXXX XXXX  XXXX have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. Please take this matter serious and I look forward to your respond.
Complaint sub-issue: Debt is not yours

I 've been trying to dispute this account for over a year and still no resolution. I 've attempted calling many times over the year. On XX/XX/XXXX, I disputed an account with AFNI, Inc., about a debt that they are reporting on all 3 of my credit reports, in the amount of {$470.00}, being that I have NEVER had a contract with them and I have not received any debt validation from them with anything signed by me. They then had my credit reports updated on XX/XX/XXXX and is still reporting which is a violation of the FCRA. I demand that this item be taken off my report immediately as it is affecting my ability to obtain needed loans and or credit. They are scamming people and very belligerent, unprofessional and rude when you call in to speak with them. In addition, this company does n't show as being licensed to collect in the state of Texas under the address and phone # that is being reported in my reports which is : Creditor Information AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, There are 2 addresses that are currently listed as mine on the 3-bureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my XXXX report. They are XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled right away : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

This complaint relates to my Discover card. I pay this card online, and have for several years. This is intended as a way to insure that the payment is received on time. I am not dependent on the US mail to deliver a payment by the due date, and for the most part this has been successful. 

However, the payment made by phone for the month of XX/XX/2019, which was made on time and as I have made every other payment on this account, was recorded by Discover a day AFTER the deadline, causing a late fee. The payment was made on XX/XX/XXXX ; however, Discover processed the payment on XX/XX/XXXX, causing a {$28.00} late fee to be assessed to my account. This is unacceptable. 

I am also concerned that this malicious action on the part of the Discover card may have additional detrimental consequences, including an increase of the interest rate I am charged on this card, as well as a negative effect on my credit rating. These must be reversed, in both cases.
Complaint sub-issue: Information belongs to someone else

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXXXXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX  XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced
Complaint sub-issue: Reporting company used your report improperly

I sent a letter certified mail to the credit bureaus on XX/XX/2022, telling them to do a investigation on the accounts listed below. Also, I have attached the letter with the tracking numbers for each credit bureau. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 UCS 1681 everything has to be 100 % accurate. I have the credit reports to show the inaccuracies ACCOUNTS : 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 XXXX XXXX, I have the credit reports to show the inaccuracies
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XX/XX/2021, XX/XX/2021, XXXX, XXXX, XXXX 2021 these are the dates my letters went out and calls Equifax told XXXX that my compliant was old but they received it and Equifax, XXXX, XXXX have accounts back added as a reattach to my report once removed off
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX XXXX XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Complaint sub-issue: Information belongs to someone else

The following indicated on my Credit Report. I did not attempt to open this card. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

i have sent you info on XXXX XXXX they took it off my wife credit report but didn't take it off mine cause it was fraud and i need to have it taken off also i dont know anything about equifax montage service phone number XXXX XXXX i need that taken off my credit report also
Complaint sub-issue: Trouble with how payments are being handled

I completed forms for the XXXX & XXXX certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted on XX/XX/2022 and XX/XX/2022. However Mohela did not count these time periods as part of my qualifying payments under XXXX.
Complaint sub-issue: Information belongs to someone else

There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting an account that is not mine on my credit report. This is a mortgage account with XXXX XXXX XXXX account number XXXX This account does not belong to me and I am not a co-owner of the account as reported. This mortgage account belongs to XXXX XXXX XXXX and that is where it needs to be reported. 

XXXX XXXX and XXXX already fixed their records and removed this account from my credit reports several months ago. Equifax however keeps reporting it even though it is not updating and shows being open for 8 months and only 1 payment. I attached screenshots. 

I disputed this account with Equifax before and it came back as verfied but that is impossible since I don not own this account and it belongs to XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from Equifax and nothing from XXXX  or XXXX about these accounts.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying since XXXX to get a loan. Each time my credit it run, this is what the bank gets in response : 1 - EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY 1 - EQUIFAX REMARK : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE I have already filed a complaint. Equifax sent me a letter requesting my id, which I sent and have not heard anything back.

Just trying to get a loan in America.
Complaint sub-issue: Information belongs to someone else

Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.
Complaint sub-issue: Their investigation did not fix an error on your report

I've seen no changes for the accounts that I have filed last month. I still see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Debt is not mine

I receive robocalls and other types of calls from someone claiming to be " ERC ''. I have not engaged with these people by responding to any questions or by calling them back. 
I do not have any outstanding debts whatsoever. I owe no one money. I am not in arrears on any debt. 
My name and home phone number are publicly available, but the number is on the " do not call '' registry. 
As I owe no money, and my number is on the registry, I believe that ERC is engaging in fraudulent activity.
Complaint sub-issue: Debt is not yours

AVANTE USA at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$980.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.
Complaint sub-issue: Account status incorrect

We are asking you to investigate the impact that that our XXXX XXXX XXXXXXXX Home Equity  line of credit has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXXwe send a fax to XXXX appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to real-time resolutions and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from XXXX XXXXXXXX XXXX indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from XXXX XXXX XXXX. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Complaint sub-issue: Their investigation did not fix an error on your report

In 2018, I called Equifax and faxed a dispute on my credit report letting them know that XXXX Master Card erroneously charged off a balance for which they refused to provide statements or communicate with me regarding the account balance and my obligation as a joint account holder on their Master Card. There is no reference in Equifax 's reply back to me that demonstrates XXXX master card provided written statements or letters noting my monthly balances. They proceeded to charge off the card without notifying me of my obligation or giving me any opportunity to make good or negotiate with them on any outstanding balance. I wrote them repeatedly that they are required to provide me with statements as an account holder, and they ignored my request. When I could not get statements after numerous months of paying in the dark, I just assumed the account was being recognized by XXXX as paid in full, so I sent a final payment and noted " paid in full '' on my check for safe measure. That check was cashed. I took this to be an agreement as a result. Though they had at this time hit my report with a " charge off '' without due process, I also had to pay taxes to make matters worse as they issued a 1099. 

I submitted to Equifax in my 2018 dispute a copy of the 1099 XXXX Master Card sent, along with my repeated letters requesting written statements and status of the account, and a copy of the cashed check that indicated " paid in full ''. 

As a result, I demand this be removed from my credit report today and not penalize me any longer for what has been customarily a seven year timeframe on " charge offs ''. This should not apply to me. Keeping this on my credit report has caused unfair hardship on me. Equifax as a result should remove this from my record for good this time.
Complaint sub-issue: Debt is not yours

IQ DATA INTERNATIONAL is attempting to collect a debt for an apartment complex ( XXXX  ) I lived at 3 years ago. They claim I owe rent beyond the end of my lease due to lack of notice and for damages. The lease terms were completed and a joint move out inspection was requested. The management did not respond. I have documentation to support. 

IQ DATA INTERNATIONAL is reporting this debt to my account every 3-5 business days. My credit score was XXXX prior to this abusive behavior.