Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I am not working with no credit repair company this is me and only me. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. please see attached documents.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous.Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not remove account XXXX that was placed on my credit file when my credit file should have been protected during COVID-19 in 2020. The balance is also inaccurate please assist by removing
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00}
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXE XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Complaint sub-issue: Problem during payment process

I mailed my credit card payment on XX/XX/XXXX which was due on XX/XX/XXXX along with two other payments to other institutions. Those two other institutions both cleared those checks on XX/XX/XXXX. XXXX has stated that they did not receive my check until XX/XX/XXXX and cleared the payment on XX/XX/XXXX. 

After calling their customer service number twice and spoke to a Supervisor, I was told this was a US Post Office problem and not a XXXX processing problem. Considering I have made payments in a timely manner for at least several years with them and not experienced US Post Office problems, they were not responsive and would not waive a late payment fee nor interest charges. 

As this card is associated with my XXXX investment account, I intend to have to cancel both the credit card and investment account. This is not how a respected card company should be dealing with a good customer.
Complaint sub-issue: Didn't receive enough information to verify debt

I wrote EOS CCA ON XX/XX/21 asking for validation of a debt. They never sent validation and also put on my credit report that I disputed the debt. I called them they said they received the validation letter on XX/XX/21 and was not required to to send me validation.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been stolen.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below have violatated my federally protected consumer 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 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 items of information, other than recorrds of convictions of crimes which anteddates 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: Company closed your account

This is to advise that etrade XXXX  closed my accounts without any written or email notifications per their customer agreement. On XXXX XXXX while out of town i noticed i did not have access to my accounts. I called etrade bank and they advised two of my accounts were closed suddenly and the third was closed for everything except investment deposits. I asked why? they stated per their customer agreement they are able to close accounts down. I was questioned about all of my deposits which are all legitimate deposits into my account and the rep questioned why so many companies. I advised that I am a business owner. I have been discriminated against from this banking institution that i have been a customer of for the last 8 years. The rep kept insisting based on the customer agreement they had that choice. I advised per the agreement it also states they would give a customer a 30day notification and send letters to advise of the closing of any accounts and representative confirmed on many occasions during this call this was not done. I had to quickly change banks for direct deposits and withdrawals some of which I had coming in the same day they decided to close the account. They were also redlining the use of my card and account before this denying certain transactions and would not approve them when the funds were available in my account. They have in the last year done unfair trade practices as a banking institution, which has caused me a lot of havoc personally and in my business. They should not be allowed to no follow protocol or discriminate and in their agreement in print it states they will notify a customer and give a 30 day notification. During the time of the account closure there was not a negative balance, I have never carried a negative balance on any of the accounts more than 30 days. There was no fraud activities and although many deposits came in they were legitimate deposits. I asked the rep why was I being questioned what cause and she could not give a complete answer. Also the day before the accounts were suddenly closed I called in with a third party to verify a transaction and the rep asked for my security question with a third party on the line. When asked why this was done he had no answer. I advised when third parties are on the line basic information such as account number and name are only to be disclosed based on what I was told by ETrade. After this situation my account was closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.
Complaint sub-issue: Billing problem

I have been trying to refinance a vehicle from ally for almost a two months.Back in XX/XX/2019 I had asked for a payoff faxed to submit to my credit union.The fax was sent to me.I then decided because of my credit to stick out with ally.I called and was told someone would be contacting me about a rewrite.Fastforward to XX/XX/2019 I contacted them about a late charge that was sent to me but when I paid the note it wasnt on their website.I spoke to a young lady by the name of XXXX around XXXX.I got the run around about finally got to the Department when I asked what would the terms be the phone got quiet and then the survey came on.It was like she hung up or sent me to the survey.It seems like they dont want me to refinance.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Complaint sub-issue: Was not notified of investigation status or results

This was not sent in error I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use my credit report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

XXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 


I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Complaint sub-issue: Debt is not yours

Over the last few months I have disputed this account with your company ACIMA CREDIT XXXX XXXX with XXXX. Each time XXXX come back and tell me this debt has been verified. XXXX claims that your are verifying the debt in which I know this isn't true. If it is is true you are negligently and willfully violated the Fair Credit Reporting Act. 
ACIMA CREDIT XXXX XXXX is negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely if and you can not supply that and report accurate information to XXXX that they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act. Please also, give me information on when the last time XXXX sent over to you to do an investigation of the account that I am questioning as well as they may be liable for not investigationing my claims per XXXX Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reported XXXX  XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand all hard inquiries and the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did no give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Trouble with how payments are being handled

I submitted a public service loan forgiveness employment certification form to FedLoan on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. I received notification that the process of confirming the eligibility of my employment would take approximately 30-90 days. I web-chatted with FedLoan a few weeks after submitting my form and was told that it had to be reviewed by " FSA. '' I contacted FedLoan via email on XX/XX/XXXX and was told that no updates could be provided concerning the review. I submitted another employment certification form on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. Shortly thereafter, FedLoan updated my qualifying payment count to show months of XX/XX/XXXX and XX/XX/XXXX as counting, but payment months of XX/XX/XXXX through XX/XX/XXXX continue to show as " employment not certified. '' I contact FedLoan via email on XX/XX/XXXX to inquire about this and was provided no information or explanation. Thereafter, I wrote to the Department of Education 's FSA Office for assistance and they forwarded my inquiry to FedLoan. When I have spoken with FedLoan about the issue, they have pointed to the FSA Office and advised that no updates or timeframe for a resolution can be provided. As of now, it has been more than 90 days and this issue remains unresolved.
Complaint sub-issue: Information belongs to someone else

I've sent dispute letter to dispute incorrect and fraudulent information and they're still not deleted from my credit report files.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX.

AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.
Complaint sub-issue: Account information incorrect

I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, and XXXX  and XXXX XXXX   XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been a customer of XXXX for years. For normally pay my bill online, and today just noticed I have been charged " Credit Protection '', which I have never agreed to, nor have I known this was something that I have been paying for. I went back to review the last 5 statements and was charged anywhere between 1 dollar to 5 dollars during months that I made no purchases. I am going to continue to look back at my statements as I can see back to XXXX. I want a copy of every statement I have had since I have been a XXXX Card holder ( XXXX ) and want a refund for each of these fees. This is predatory lending, fraud and a scam.
Complaint sub-issue: Company closed your account

I filed against this company a couple weeks ago and everything was resolved. They still contact me late hours and they are still sending me mail asking for payments regarding an account that was paid off. This company was also supposed to send me a refund check and they never have. Please have this company fix there mistakes and have them stop contacting me I am not a card holder of theres anymore.
Complaint sub-issue: Investigation took more than 30 days

Company did not respond in 30 days in fact, company has not responded in 90 days
Complaint sub-issue: Debt was result of identity theft

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.