Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have been having issues with credit reporting agencies. All three have been providing problems for me but XXXX is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX  XXXX Bankruptcy and an account through XXXX XXXX should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much XXXX  and stress to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.
Complaint sub-issue: Can't get other flexible options for repaying your loan

The XXXX XXXX XXXX took over my student loans at my request, in order to lower the overall monthly payments. Each month for the past three years, I have paid the minimum amount due, and most months I paid more than the minimum. However, rather than applying the excess amount to the principal, XXXX put in into the interest payments. So with a total of almost {$50000.00} at 4.525  % interest, my principal has not gone down at all, but the amount of interest I owe has increased. At this rate, I'll never get the loan paid off.
Complaint sub-issue: Information belongs to someone else

I received a letter from Equifax explain I was apart of a breach I went online to view my account and notice some fraudulent attempts to obtain credit. I have put in a dispute with Equifax but they have responded telling me to contact the company directly, I have! the company states the inquiry is valid however of course its valid if they illegally hacked Equifax corporation and retrieve all of my personal information. I will like all the listed below inquires removed. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: No notice of investigation status/result

CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.
Complaint sub-issue: Reporting company used your report improperly

The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 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: Account information incorrect

This is the second complaint I have filed against Bank of Hope since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to XX/XX/XXXX!!!! They are reporting my loan under Bank of Hope with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXX XX/XX/XXXXon the report ) with an outstanding principal balance of $ XXXX makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with Bank of Hope with an outstanding principal balance of {$130000.00}. It took me several weeks of calling Bank of Hope and filing a complaint with XX/XX/XXXX and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.
Complaint sub-issue: Other problem getting your report or credit score

I don't know whether this kind of complaint is appropriate here ; it seems to come under the false-advertising category. Equifax advertises, and has sent me emails regarding, a service called " myEquifax '' that is supposed to make it more convenient to get credit reports, lift security freezes, etc. But there is no way to use the service ; I've been trying for months to login to the service, with multiple calls to their customer service, with no success. I realize that I can get the annual report via XXXX, and accomplish other actions via phone calls, but I don't feel Equifax should promote a product that doesn't work ; this results in a waste of valuable time.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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 rewards from credit card

I Have Received 13 Emails Since XX/XX/XXXX And As Recently As Yesterday Telling Me That I Can Save .XXXX/Gallon On My Next 5 Purchases when I use the Shell credit card. When I Purchased Gas On XX/XX/XXXX I Didn't Get The XXXX/Gallon Reduced Price And I Tried Two Different Gas Stations. I called the Shell and they blamed citi bank, the credit card company for Shell. Everyone 's blaming someone else but I received these emails from Shell telling me I can get XXXX/gallon off my next 5 gas purchases when I use the Shell credit card. I attached a copy of one of the emails I've been receiving
Complaint sub-issue: Problem during payment process

On XX/XX/2022 I sent out a formal letter to the CEO of the company informing them of the XXXX laws and United States Codes to give me a conditional acceptance of credit to my account with an explanatory statement which they have received it on XX/XX/2022. Now here 's what I don't understand. I was given the CONDITIONAL CREDIT FOR PAYMENT in the amount of {$7800.00} through their dispute department which I've received an email stating that it was credited for that amount but for some strange reason the company reverse the payment back to it's original amount. Secondly, I also ask for their XXXX to stay in compliance with the IRS but they refused by stating that there supervisor are not aware of the XXXX. Now I specifically, stated I was instructed to do so and must clearly notify the addressed entity that : The IRS requires you to furnish your TIN and that failure to furnish such TIN subjects to penalties and fines imposed by the IRS. And on top of that their representative made a claim stating that they previously reached out to me about the {$7800.00} but I did not respond back and since they so-called haven't heard from me they to start a new investigation that they had. Unfortunately, they couldn't find the payment which is completely false. If they did not get the payment then why was the account credited in the amount of {$7800.00}? Thirdly, I did not get any notification from them through email or by mail at all that completely false because I check my emails and mail daily. lastly, CITI Bank Corp has violated my rights under UCC 3-603. TENDER OF PAYMENT, XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. NEGOTIABLE INSTRUMENT, XXXX. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, XXXX. Performance or Acceptance Under Reservation of Rights, 15 U.S. Code 1666b - Timing of payments. Claim : Claimant is forced to use the compelled benefit of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to XXXX XXXX ( all debts are the obligation of the United States, Inc. The contract signed with your company was done fraudulently ; a ). There was no FULL DISCLOSURE ( I was not told that I was creating credit with my wet ink signature ; b ). There is no EQUAL CONSIDERATION ( Your company brought nothing of value to the table so have I nothing to lose ; c ). LAWFUL TERMS AND CONDITIONS are based on fraud ; d ). There is only XXXX WET INK SIGNATURE when there needs to be XXXX signatures ( a corporation can not sign a contract because they are soul-less entities and no third party can sign for a corporation ). 

NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; Notice to Respondeat Inferior is Notice to XXXX XXXX Notice to XXXX XXXX is Notice to XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2020, I recieved a phone call from Hunter Warfield , Inc. regarding a debt owed due to eviction. I requested a letter of debt validation through the collector. The collector told me that they would refer my case to an attorney to file a lawsuit to sue me even during the debt validation process. And that the only way to prevent a lawsuit was to begin paying on the debt. The collector also questioned why I would validate my debt since it was 2 years old at this point. It seemed like the collector was attempting to dissuade me from validating my debt. 
I requested that even though a payment arrangement was set up that they still validate the debt and send me a letter of debt validation. It has been over 90 days since this phone call and I have yet to receive a letter of validation. 
I have concerns regarding the amount as they are charging a 6 % interest on the debt even though I did not agree to pay any interest when signing the apartment lease. Nor did I ever agree with XXXX XXXX that I would pay a 6 % interest to them. Even though I brought up this concern, they said I agreed to it in the lease documents. I reviewed the lease documents and in no where do the documents mention a 6 % interest or even the word " interest ''.
Complaint sub-issue: Information belongs to someone else

FCRA VIOLATIONS : NOT MINE : SEE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am demanding justice. Equifax is continuing to ruin my credit file for no reason. Equifax has just trashed my credit file again by refusing to update my credit file by removing trash off of my credit file. these people cause a serious data breach XXXX knows who my personal info went to because of Equifax. taking this to higher authorities, XXXX rep 's, attorney general offices in both states XXXX, GA and Ohio. So sick of being sick and tired of this! I will see Equifax in court!
Complaint sub-issue: Account terms and changes

I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

i have tried to get a credit card or a loan from a bank and for some reason my credit can not be pulled by this Equifax. when I even call them sometimes they wont even talk to me because on person may have put through the wrong information or the other one I talk to does and can some what talk to me. I have spent on the phone more than 3 hours at one time and then 2 with someone else. it has been wholly XXXX for me not to mention the bans that have turned me down because they get nothing when they pull it. I can not even pull it when I go on line and try. it is so unfair. my other two bureaus I can pull. I also requested for early release of 3 months before my bankruptcy because will be 10 years and they will not reply. but the other credit bureau has replied.
Complaint sub-issue: Charged too much interest

Took out an initial line of credit in XXXX of XXXX, on a Home Depot credit card, for a home improvement project. Was told that the credit would be 0 % interest, for 24 months. 

Was charged {$700.00} in interested in XXXX, XXXX. 

Called Home Depot credit card company in XXXX, when I realized and asked for it to be fixed. Was assured it was their mistake, and would be fixed, to wait for credit to appear. 

Was never credit, and interest kept accruing. 

Called again on XX/XX/XXXX, and was told again, it was a mistake, and would be credited. Call was disconnected and called back. 

Made a second phone call, and was told I would need to have a store manager call to verify that I was offered 24 months interest free financing. Called store manager and waiting now to hear whether issue is resolved.
Complaint sub-issue: Didn't receive enough information to verify debt

A debt validation letter was sent to the company I.Q. DATA INTERNATIONAL , INC. located at XXXX XXXX XXXX XXXX, WA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021, I requested a debt validation letter from XXXX and Equifax for an XXXX XXXX XXXX regarding a loan for a {$6400.00} loan. Unfortunately, XXXX and Equifax have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit is required to remove from credit report within 30 days of the requested date.
Complaint sub-issue: Their investigation did not fix an error on your report

As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept Equifax said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance. 
Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That 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 accounts listed below. 
1 ) XXXX XXXX  2 ) XXXX XXXX XXXX  3 )  XXXX I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.
Complaint sub-issue: Investigation took more than 30 days

I submitted a claim with Equifax on XX/XX/XXXX it is now XX/XX/XXXX and has been more than 30 days called to try to see what was going on and didnt get a clear response according to the law they have to release to fix it or delete it.
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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account account # 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 5 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: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 60 days later I have not received one word about my inquiries about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 60 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach as well as a my information being taken as shown in the police report attached and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!