Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

EQUIFAX has deleted a negative payment history twice and '' re-inserted twice '' on  XXXX   XXXX   XXXX   XXXX  SOLUTION WOULD BE TO DELETE THE ENTIRE ACCOUNT AS   XXXX   AND  XXXX  HAV E DONE.I never received any notice of re-insertion as the law proscribes.I have attached a secondary sou rce report of  XXXX  The last  time I sent this to equifax they removed the payment history in 3 days.It is getting tiresome to dispute this account over and over with Equifax.Please delete the account so the negative does n't reappear.RE-INSERTION without notice violates the FCRA.
Complaint sub-issue: Reporting company used your report improperly

According to 15 usc 6802 no transactions are permitted. 15 usc 6801 a.b.c no public information, Right to Privacy Act 1978 consumer law protects me. The GLB Act allows me the right to opt out. I did ask for them to remove them and customer service by law they had to report them. I asked to speak to supervisor or manager and was put on hold and call disconnected, I text one of the finance managers and told them the problem.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 personal statement of dispute

DOES ANYONE AT XXXX ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR XXXX TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

XXXX stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to XXXX by the nationwide consumer reporting agencies. 

In this above statement, again XXXX is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if XXXX XXXX can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.
Complaint sub-issue: Transaction was not authorized

I had a fraud transaction on my checking account where money was wired out by an unknown party. This occurred XX/XX/22 and I am still trying to resolve this with the bank. The bank indicated that they deny my request to get the money because I released information about my account. They indicated that I verbally approved this transfer. I just found out that the voice the bank had was not mine. They also said that I provided them with personal information which was not the case. I am trying to get a written transcript of the conversation.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as the true and lending act 15 USC 1666 ( b ). Reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Talked to a third-party about your debt

A collection agency requested info from a former landlord. I would have used that landlord as a reference, but can't now. 
On the envelope was a lawyers name and address. FDCPA subsection 804 states that no symbol, logo, or names shall be used that infere a debt collection. As now i can no longer use that landlord as a reference, there is a violation of FDCPA policy with a penalty up to {$1000.00}. I'd like that agency to pay their fine. Per FDCPA subsection 813. Thank you
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened X/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve.
Complaint sub-issue: Debt is not yours

XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.
Complaint sub-issue: Account status incorrect

I've tried to contact them. All they do is try to sell products to me. No other credit people have done this. They won't answer the phone and they already had a breach. My credit report is so different since then. They aren't cooperating. I have a really good score with all of the others but not them. They keep hanging up and I never talk to anyone. Someone needs to investigate this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a federally protected consumer who is protected by the FCRA which was writtien by congress. I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable.I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ) .Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Home Depot reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2022 they are violating FCRA guidelines. I have proof of payment as well.
Complaint sub-issue: Reporting company used your report improperly

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. 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 XXXXXXXX, 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 made 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 who may have knowledge concerning any such items of information. 

They stated my accounts were 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 reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I do not know who these people are. I never signed a contract with these people. They dont have a contract bearing my signature. I have never done any business with them.
Complaint sub-issue: Information belongs to someone else

On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.
Complaint sub-issue: Reporting company used your report improperly

Equifax exposed my personal information. It is their DUTY to protect my personal information. For the rest of my life, I will have to be concerned, anxious, troubled, perturbed, upset and distressed about my personal credit information being exposed!
Equifax is the company I am complaining about. Are credit bureaus regulated?
I work at a XXXX XXXX and we have 6 audits every year!!
Who is involved? The WHOLE COUNTRY.
What steps are the CFPB taking to control this situation and regulate the bureaus?
This is very unsettling.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Need information about your loan balance or loan terms

At the direction of XXXX XXXX, I requested a complete " Loan Chronology '' of each and every student loan AES servicer had for me entire complete trace back to the begging of each and every loan. 

They refuse to provide me one.
Complaint sub-issue: Didn't receive notice of right to dispute

A debt collection company " I C SYSTEMS COLLECTIONS '' on behalf of XXXX XXXX has reported that I owe {$120.00} to credit agencies. 

The last time I had a XXXX XXXX account was XXXX of 2019. That service was at an address, XXXX XXXX XXXX XXXX, GA which I left in XXXX of 2019. At that time I paid the final bill, returned equipment and never got another correspondence from XXXX since XX/XX/2019. I've not received an email, phone call or written notice that anything was owed or that I was being sent to collections. I had absolutely no opportunity to address any issues with XXXX or I C and now have a collections on my credit. 

Until this appeared on my XXXX credit report I had no idea that their was an issue and to date I have still not received anything stating that I owe anything to XXXX  much less what it is that they claim I owe {$120.00} for. 

I don't live at the address where the service was but XXXX had an email address and phone number to reach me if they needed to reach me about something I owed. Instead they chose to silently send a balance which I do not believe I owe to a collection agency.
Complaint sub-issue: Information belongs to someone else

I have been having an identity theft issue that i have not been able to resolve with XXXX XXXX for quite some time. 

XXXX XXXX has had my file supressed. I have not been able to obtain a copy of my file and have the fraud accounts removed from my file. I was able to have the fraud accounts blocked from my file in XXXX and Equifax but due to the suppression of my file with them and my file being handled by a department that is never able to take my call and due to the corona virus situation it has only made it even more dificult for me to resolve this matter with them even worse. 

Based on my resolution with Equifax and XXXX the fraud accounts are as follows XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX 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
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Complaint sub-issue: Don't agree with the fees charged

I was attending school in 2019 when they stated that my student loan was in default but it shouldnt have been due to the fact that i was enrolled full time in school and still is. I have provided numerous of documentation to them proving this as well as they made me enroll in a rehabilitation program because they was trying to garnish my work wages when Im in school. To knowledge from what the Department of Education has told me and personally lawyer that it is against the law for them to offset my tax refund or garnish my wages because Im in school.
Complaint sub-issue: Account status incorrect

Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX insurance. 

Bank of The West has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX
Complaint sub-issue: Sent card you never applied for

Hi, This is XXXX XXXX XXXX. I want let you know that My wallet was theft by someone. I need you check on someone use online for applied to credit card. Thank you.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2020, I was driving for XXXX and while at RedLight I accepted an order on my phone. I was pulled over and was given Violation 23123.5 ( a ) DRIVING WHILE OPERATING A HANDHELD WIRELESS TELEPHONE OR ELECTRONIC WIRELESS COMMUNICATIONS DEVICE which I obtained an attorney and contested NOLO CONTENDERE. I just clicked on screen to accept order.
Complaint sub-issue: Problem with fees

Hello, I have an issue with Credit Protection fees related to my Bloomingdales store card. 

I signed up for the Bloomingdale 's credit card as an active credit line and I was told that an added benefit of having this card was the credit protection - there wasn't a clear disclosure that this would be a month-to-month service. I have a card that provides this service free of charge so the incorrect conclusion was that it would be similar. 

I took a look at my Bloomingdales statement and found a credit protection service with the following : FEES Transaction Date : XX/XX/XXXX Description : CREDIT PRO XXXX Amount : {$17.00} Bloomingdale 's customer service provided a high-level summary of this charge and confirmed they could not cancel the service because it's a separate entity. 

I called the XXXX XXXX ( XXXX ) XXXX number for more information and to cancel. That process required additional effort ... 

1. A voice message appears letting you know about long wait times, I was a bit discouraged but decided to stick to with the call. 

2. The second message lists out options incl. terminating the service ( # 3 ). I was prompted to enter the last 4 numbers on the account. Try it for yourselves, the " system '' doesn't recognize the input. I did this on both landline and cell phones. I kept inputting the numbers and message that I hadn't entered a number. I was finally connected to a representative. 

After introductions, I asked the representative the following questions : 1. What is this service about? Rep said this is credit protection plan in addition it will pay the minimum balance on your bill in case you lose your job ... 

2. What's the website? I'd like to see the benefits. " No, we don't have a website. You may request more information by faxing us at XXXX and please include a cover on your faxed request. Requests take 5-7 business days to process. '' 3. How do consumers know what's included in this service? " We mail the information out one time, so individuals are aware after they sign up. '' 4. Please detail the terms and conditions. " Please send us a fax and we'll be glad to help ''. 

5. Are you affiliated with Bloomingdales? " No, we're not affiliated. We provide the service to the cardholders ''. 

I'm writing to CFPB because the process of obtaining information was arduous. 

1 ) I'm signing up for a PAID SERVICE, that was described to me as a card benefit ( no monthly fee is disclosed ). 

2 ) The initial process of reaching a representative is not easy and I was dissuaded from continuing. I'm sure working folks, who have limited time, may not have cancelled as a result. 

3 ) Getting information is made even more difficult by having to fax ( not email but fax ) in requests of the services ; which undoubtedly will make folks rethink and continuing paying. 

4 ) The {$17.00} becomes part of my Bloomingdales principal balance. If this is your only payment, minimum payment, you get hit with a {$38.00} late fee. If you don't keep tabs on your account, this can accrue rapidly over time - especially with a 25.24 % APR.
Complaint sub-issue: Information belongs to someone else

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?