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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a right to privacy.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX Account # XXXX ( XXXX XXXX XXXX by XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Account # XXXX ( XXXX XXXX XXXX XXXX XXXX by XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with fees charged

On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.
Complaint sub-issue: Other problem getting your report or credit score

I am overly stressed. I am completely suffering because of Equifax. I can not obtain a mortgage because there has been a internal lock on my credit file. Equifax is retaliating against me because of lots of disputes. I have police reports since XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Is that are reason to retaliate? Is that are reason to shut my credit file down and stop me from getting a home? What if I get killed because I can't move? There are still fraudulent inquiries on my credit due to me not being able to see my credit file. I asked the representative concerning my inquiries and she gave me a list. I am afraid to dispute them because they always shut my credit file down every time I dispute items. It is their job to work for consumers not retaliate against them. On Monday XX/XX/XXXX I have a phone record of calling Equifax XXXX times until I was able to reach someone to finally help me. Her name was XXXX XXXX ID XXXX. She put my credit file online for only 5 days. I also have a record of calling other days to get the matter solved and got any where, but more emotional stress. Before then it was locked and XXXX XXXX  could not pull a application for my business loan. There are over 7 inquiries on my credit due to Equifax negligence, future creditors will deny me because of the inquiries I did not give authorization to pull and the bank thinking there is a error in Equifax system. Why would I process 7 plus inquiries with XXXX? Everyone I talked to that day told me that they could not help me I am attaching the names. They told me my file was going to remain offline infidelity. They were very disrespectful. I never experienced any discrimination, unprofessionalism and hate as such. I am suffering mentally behind this. The agents are reading the complaints and seeing the situation and making a complete mockery out of me. My credit file should remain online. My credit file should not be offline. I am in the middle of trying to get a home loan and a commercial loan for my company. The confirmation for the recent disputes are # XXXX. It was processed by XXXX. On www.identitytheft.gov I created a online log in/password. The updated FTC will have the same reference number because they will not allow you to keep filing complaints no more than 2 times if more they will block you from the system. There are XXXX inquiries and the report will only allow you to add XXXX at one time so I will have to continue to remove and update the file. Equifax is also always giving me problems with this as well. I can not set the FTC rules and regulations. They have a button to update the reports as needed. I am attaching what I send Equifax. The agents that I worked with that are unprofessional, violating my rights, and being rude are : XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, and XXXX agent agent # XXXX.
Complaint sub-issue: Contacted employer after asked not to

company keeps calling my job. job is threatening to fire because of consistent calls
Complaint sub-issue: Debt is not yours

I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX   from the letter. XXXX XXXX has no information of me having a XXXX XXXX   account on my own, I have been on my mothers account of which XXXX XXXX  checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX   1XXXX XXXX XXXX XXXX MD, XXXX
Complaint sub-issue: Account opened as a result of fraud

I logged into check my Credit Karma Score and found out that somehow a Credit Karma savings account was opened in my name that I did not open. I contacted Credit Karma about the account and told them I didn't open the account. They kept asking if I wanted to close my account as if I opened it. I told them each time I wanted the account deleted as I never signed up for it. They asked me if I wanted to close my account again and again. It's not my account. I did not sign up for it. There has never been any activity on the account from what I can see. No bank accounts linked nor any transactions.
Complaint sub-issue: Account status incorrect

I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.
Complaint sub-issue: Public record information inaccurate

I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXN & EQUIFAX has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All XXXX bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor have I lived at this address. Please kindly remove it from my credit profile.
Complaint sub-issue: Old information reappears or never goes away

Hi, A company called XXXX  reported to my credit bureaus without my permission. They claimed I check marked a box allowing them to report the credit line however I don't recall ever signing off or accepting this. I want the line items removed I believe it is 4 of them. They also use a different reporting name as well called Flourish. It's damaging and they aren't being helpful.
Complaint sub-issue: Attempted to collect wrong amount

CITIBANK DISPUTE!!!! This account was closed after the first few uses, removed the authorized users on the account and paid it. Called the bank to close the credit card after payments were made, bank stated that it had been closed. Months later, come to find out I am in collections and the bank never closed the account and the person I had on the account continued to use the card without my consent. Therefore, these are unauthorized charges going into account. Called bank to resolve issue and find out why account is not closed and they stated they had no information. The bank stated that it was not their problem and I would be responsible for the balance. Credit card issuer still tries to collect a charge while its investigating my dispute. Please help me resolve as I can not come up with any other solutions. This is fraud that was done on my account by someone I previously authorized and then unauthorized. However, the bank continued to accept credit card charges after I specifically stated that I needed to remove all authorized users from the account and close the account.
Complaint sub-issue: Account status incorrect

I purchased a new vehicle in XX/XX/XXXX and financed through Ally Financial. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP claim immediately and communicated with all parties. 
I was sent a bill from Ally Financial for {$760.00} in XX/XX/XXXX. Working with the GAP insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with Ally Financial and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I  communicated with Ally Financial numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from Ally Financial assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.
Complaint sub-issue: Account status

please refer to case # XXXX with regards to a brief history and enclosed documents
Complaint sub-issue: Problem with personal statement of dispute

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. 

The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Complaint sub-issue: Personal information incorrect

I found in my Equifax credit report my personal information a wrong date of birth. In credit report they have XXXX XXXX XXXX as my date of birth which is inaccurate. My correct date of birth is XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). I want this to be updated as soon as possible. thank you.
Complaint sub-issue: Information belongs to someone else

Today, XX/XX/XXXX, I spoke with XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX, about two accounts for {$750.00} and {$56.00} that appeared on my credit file. I was told to fax in my phtoto id and dispute these two accounts. XXXX would then notify the credit bureaus to delete both accounts. These accounts are not mine and were opened fraudulently. Fax was confirmed at XXXX XXXX eastern on XX/XX/XXXX. I am disputing these accounts that Equifax is reporting that has an adverse affect on my credit score and worthiness.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received calls from XXXX and indicated they were on a recorded line. Advised the number the person was calling was place of business and they need to contact on the personal phone. They have called a couple of times and it is inappropriate to call the work place.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I applied for, and received, a forbearance due to temporary financial hardship on 2 of my loans currently being serviced by American Education Services between XX/XX/XXXX and XX/XX/XXXX. These were both private loans owned by XXXX, and guaranteed by XXXX. The first loan ( 1 XXXX ) was disbursed on XX/XX/XXXX at a 5.1 % interest rate for {$35000.00} with a repayment term of 133 months. The second loan ( 2 XXXX ) was disbursed on XX/XX/XXXX at a 4.85 % interest rate for {$16000.00} with a repayment term of 133 months ). 

When the forbearance ended, the payment date was moved 3 days forward, from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. There was no reason given, nor could any of the employees I talked with explain why it was done. I am typically paid on the XX/XX/XXXX of  the month, and I called and requested to change the date back to the original day, the XX/XX/XXXX, as I would not be able to pay on the XX/XX/XXXX day of the month. To be safe, my direct debit was suspended, and I was assured that no late fees would appear nor would there by any report on my credit as long as I did pay the amount due by the XX/XX/XXXX of the month. 

I called on the XX/XX/XXXX and was told the change would be processed in 7-10 business days. I called back several days later and was then told that changing the date would actually take 1-2 billing cycles. I was again reassured that no late fees and no credit reporting would occur as long as I paid the requested amount by the XX/XX/XXXX. I paid  the amount due on XX/XX/2018 on XX/XX/2018. I was paid a day early because the XX/XX/XXXX was a Friday and paychecks are disbursed a day early so they are not held over weekends. 

On XX/XX/XXXX, I received a letter in my account inbox online stating my date change request could not be accommodated since my account was delinquent. I checked my online account, which stated my account was current, there was {$0.00} due, and that I had, in fact, paid ahead. 

Since I can not pay on the current due date, and it may take 1-2 billing cycles to change the due date, my account will always be delinquent ; therefore, I can never receive a change on the due date in order to pay on time. Additionally, I have been given wrong or contradictory information at each step of the process, culminating in my account being shown as current and " paid ahead '' while at the same time receiving official notification that it is in delinquency.
Complaint sub-issue: Account status incorrect

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine
Complaint sub-issue: Received bad information about your loan

I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.
Complaint sub-issue: Information belongs to someone else

equifax has placed my credit file in the Consumer Affairs. 
I have no idea why I can not view my credit report through any monitoring services. There are other fraudulent accounts that are on my credit file the company refuse to remove or block. They are not complying with the FTC law. The account is XXXX XXXX.
Complaint sub-issue: Debt is not yours

I noticed  XXXX  collections on my credit report from Americollect. I sent for validation of the debt since it did n't state who the original creditor was. it only had  XXXX  and one for  XXXX . Americollect never responded, yet they continue to report this inaccurate information on my credit file. This agency is not bonded to collect in my state. They are operating illegally and they are violating the laws of the Fair Debt Collection Act.
This agency never sent me a letter or anything notifying me that they were putting anything on my credit.
Complaint sub-issue: Account information incorrect

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Complaint sub-issue: Investigation took more than 30 days

I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.
Complaint sub-issue: Was not notified of investigation status or results

Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.