Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

On XX/XX/2017 I mailed a letter to Equifax stating that an inaccurate item being reported was being reported on my credit report by XXXX XXXX XXXX XXXX. The item shows a balance of {$57.00} and an account status of charge off. I enclosed a photocopy of the validation letter that I sent to XXXX XXXX XXXX XXXX at the address on my credit report ( XXXX XXXX, XXXX, MI XXXX ), it was returned to me by the post office.I demanded that they remove the inaccurate information immediately. i even provided them with a copy of my credit report showing the inaccurate item. I received the results of my investigation from Equifax stating that they the creditor has verified to them that the account is being reported accurately, and informed to me that if I was to have any additional questions to please contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX MI XXXX which I informed them I tried to do but I was unsuccessful in my attempts.
Complaint sub-issue: Investigation took more than 30 days

I sent XXXX, XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX XXXX reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 60 days and XXXX, XXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, XXXX, equifax must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX XXXX following account is not mine and has not been verified please delete XXXX following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate XXXX. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2021
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

Equifax - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent letters to the credit bureau regarding inaccurate and unknown infomation on my personal credit report to this day it has been over 120 days later, I still have not received a response yet. unfortunately at this point I feel like I'm being taking advantage of and my disputes are being disregarded of its urgent request. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediateltly remove those items from my credit report, it has been well over 120 days so they should be deleted and removed promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the hardship you as well as this information has caused me. My information was also impacted by over 33 data breaches. I have attached proof of the data breaches on XXXX XXXX and XXXX XXXX My personal information was also impacted MULTIPLE times through the dark web. The list also includes the Equifax data breach, FEMA data breach, XXXX XXXX data breach and multiple other MAJOR DATA BREACHES and may have got into the hands of the wrong person. I have attached My Police Report Number. I have also attached my FTC report number XXXX this report includes all the inaccurate and unknown information accounts that has been reported to my credit, Please remove the inaccurate accounts I have attached so that I can take control of my personal credit with the credit bureau.
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 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 XXXXXXXX, 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: Attempted to collect wrong amount

XXXX XXXX XXXX referred me to Professional Credit Service ( PCS ) for a medical bill that they wrongfully sent to collections, after the advised me I was eligible for XXXX XXXX. I submitted the application and required documents and was told XXXX XXXX picked up my account and my balance was {$0.00}. The didn't send me prior notice or call me to inform if they had made an error or before they decided to reverse the fees and refer me to collections. There are federal and state protection laws that require that they make reasonable attempts before referring to collections, including that I am provided with 150 days from the initial billing prior to making attempts to collecting on a debt. This was not the case, and I was mislead to believe I was approved for XXXX XXXX. Then when I asked for a notice I received the approval notice with different dates that does not coincide the medical billing date for I applied for. I need PCS to immediately stop all collections made against me until this matter is resolved with XXXX XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

on XX/XX/2020 I telephoned Equifax to lift a freeze on my account in order to have my new mortgage company obtain my credit information in order to refinance my mortgage. The detailed process took at least 39 minutes and I was assured the freeze was in place until XX/XX/2020 and given a confirmation number. 
My mortgage company was unable to get my information from Equifax and I tried several times on XX/XX/XXXX to get someone to confirm my account was no longer frozen. 
I was on the phone with them for hours and ultimately they were unable to help me even by using my previous confirmation number. 
Many times I called and was told their systems were down. 
Given their recent data breach, they are obviously being extra careful but from what I see on line, their inefficiency is making it impossible for people to conduct business. 
Both XXXX  and XXXX  were easy and efficient and lifted my freeze immediately. 
Because of the mess at this company, I may not be able to get my mortgage refinanced as they demand reports from all 3 companies.

Please consider putting Equifax out of business and finding another company. that can provide efficient and trust-worthy information.
Complaint sub-issue: Loan sold or transferred to another company

I have been working on my credit report diligently and this account is showing as a derogatory collection. I originally tried to purchase a XXXX XXXX, I think it was, from XXXX XXXX in XXXX, Fl. and has since been sold to Jefferson Capital. When I went to pick it up from XXXX XXXX and do paperwork, salesman informed me that something was wrong with that car so he sent it to the shop and brought out a XXXX XXXX instead. I agreed because I was desperate. I had nothing but issues with it and the gap insurance seemed to not cover anything. The car was a XXXX and I took it off the lot in XXXX, I believe. I called service dept several times for different issues and all they would tell me is " XXXX '' won't cover it. The last problem, which I was done dealing with them at this point, was a horrible smell coming from the a/c usage. I paid {$120.00} to XXXX XXXX, ( XXXX, gap ins ) recommended they were closest to me, XXXX, Fl ) for them to fix it and when I got it back it still smelled when using a/c. XXXX would not pay for it. I had the car approximately 4 months. I asked them to come pick the car up and I would like to end the contract. They indeed, picked the car up. I spoke with the salesmen most of the calls I made other than the service dept. This was 3 years ago so I'm sorry, but I can not remember their names. My credit report is showing I owe Jefferson Capital {$15000.00}, which was the ORIGINAL price of purchase, AND they have the car and I paid payments while I had possession and a {$500.00} down payment! These amounts may seem petty to them, but they hurt my pocket tremendously! I spoke with Jefferson Capital and tried to negotiate a fair price, and they did come down considerably but I still don't feel that I owe {$6500.00} ( Jefferson Capital settlement offer ) for a car I had constant issues with and no longer own and ONLY owned for approx 4 months, and XXXX XXXX  has been in possession of the car, since XXXX. I should have known they possessed shady practices, when he brought me out a whole different make, model and size of car I originally wanted to purchase but then again, I thought to myself, " at least he was being honest about issues with the original car I chose ''. I think its horrible that consumers are constantly pushed into contracts by unfair and dishonest business practices and there are no repercussions. I know I'm not the only consumer to be duped by XXXX XXXX. I read some of their reviews after the fact. I now read reviews EVERY time I have to make a purchase of something so expensive and even purchases not so expensive. I would be happy to see this account removed from my credit report. It is a huge stumbling block for my future. I wasn't going to report this but I ended up deciding that, I tried to work with both XXXX XXXX  and Jefferson Capital to no avail and I deserve this removed from my report. I would like to thank you for your efforts in helping me bring a close to this nightmare. If you have any questions for me, I can be reached at XXXX. Thank you so much for your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Jefferson Capital XXXX
Complaint sub-issue: Public record information inaccurate

I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.
Complaint sub-issue: Called after sent written cease of comm

KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA
Complaint sub-issue: Information belongs to someone else

THERE ARE XXXX DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX
Complaint sub-issue: Received bad information about your loan

My name is  XXXX . I have  Federal Plus Student  Loans and the principal amount is {$140000.00}. This went into repayment as  a Consolidated Loan w ith my original loan servicer in  XXXX . I defaulted on these loans, some time there after, approximately  XXXX ,  XXXX . After much effort, I work with the   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  to rehabilitate my loans as part of their rehabilitation loan program more then two years ago. For reasons they worked with me reduced my payment based on my income. By  XXXX   XXXX  my monthly payment was $  XXXX  per month.  <P/> On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX  informing me that my defaulted student loans has been sold to  American Education Services.  This is the first time I had an idea that my loan was in default. The following month, I received a notification that  XXXX   XXXX  now owns my loan, and I now have an estimated balance of {$340000.00} with interest. I was also informed that my monthly payment due  XXXX   XXXX ,  XXXX  will be {$2200.00} for the next 350 months.
Complaint sub-issue: Other problem

On XX/XX/2020, we received a phone call that on Citi credit card was three months past due and that we owed {$700.00}. Thinking it was a mistake, I called the company. I learned that they had canceled my autopay that has been scheduled for years on XX/XX/XXXX. They posted my payment on XX/XX/XXXX and then canceled my autopay on the XXXX. I received no notification that this was being done, and this was the first time I was notified that my account was delinquent. When I asked why it was canceled, they could not explain why. I then spoke to another supervisor who told me that it was canceled because there were changes to my account. Again, I asked what changes because none were made by me. They could not identify the changes and just kept saying that I did not reconfirm my autopay. On the phone that day, I made an {$850.00} payment to make everything current, plus the next month. I have never received any correspondence from this company. This has caused rippling effects. My impeccable credit score has been slashed ( XXXX to XXXX ), my credit limits have been lowered, and I've been charged numerous late fees. I have found numerous cases of the same thing happening to different people. I went to login to my account on the website and there was no account listed. I had to create a new account. I've had this card and account for 15 years. At the beginning of XXXX, they slashed my {$16000.00} credit limit in half which caused my credit score to drop 49 points. ( Credit Used shows the percentage of your total credit used in comparison to your total available credit reported across all open and revolving accounts. )
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with USPS receipts ). It is past thirty days and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. I requestd that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX  XXXX bankruptcy  discharged Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX bankruptcy  would remain on my credit report for 7 years not ten years. I was wrongfully terminated at the time by the XXXX XXXX XXXXXXXX, they refused to pay my medical and prescription bills, I was hospitalized TWICE for XXXX XXXX XXXX XXXXXXXX and immediately thereafter, I was placed in the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX. None, of the creditors listed on my credit report are listed on my bankruptcy  filing. I pay ALL of my bills on time and I am not delinquent on paying my bills Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you please send me a free credit report illustrating that all of the four ( 4 ) items have been removed and please include my updated credit score. I have attached a copy of my New Jersey drivers license, a copy of my passport, a copy of my social security card and a copy of my XXXX  cellphone bill ( 4-pages ) that contains my physical address. 

I am being harmed by Equifax illegal actions and I am requesting your immediate attention in regards to these matters.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXesident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXpeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Resident typeSingle family XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Credit Karma has continued to give false pre approvals to my email just to be denied just like before! As stated by the FTC, Nearly One Third of Some Pre-Approved Offers Resulted in Denials ; Company to Pay {$3.00} XXXX and Halt Deceptive Claims in which I was just affected by.As well as, Credit Karmas false claims of pre-approval cost consumers time and subjected them to unnecessary credit checks, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC will continue its crackdown on digital dark patterns that harm consumers and pollute online commerce. Credit Karma provides tools that allow consumers to monitor their credit scores and credit reports. To use Credit Karmas services, consumers must provide the company with a variety of personal information, allowing Credit Karma to amass over XXXX data points on each consumer, including credit and income information. Credit Karma uses that information to send targeted advertisements and recommendations for financial products, like credit cards.
Complaint sub-issue: Account status incorrect

XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and nelnet says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. Nelnet told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to nelnet also the loan department of nelnet has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.