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

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. Account name : XXXX  XXXX XXXX XXXX, Account Number : 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 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. 

Note : XXXX and XXXX already removed this from my credit report. I don't understand why Equifax is still not able to remove this. Please remove this asap as this has already been paid ahead of time and it's still shows late for 30days which is incorrect.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have all 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 an account without my written instructions.
Complaint sub-issue: Don't agree with the fees charged

To the Consumer Financial Protection Bureau : I am writing to make an official complaint against Mohela, my federal student loan provider, regarding the capitalization of > {$10000.00} in accrued interest on my loan after I entered the first payment period. I graduated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, repayment for the first time. I believe that the capitalization of my accrued interest is an unfair business practice and I was deliberately misled by Mohela regarding the capitalization of my loan. 

I have called Mohela to discuss my loan >5 times between XX/XX/XXXX and XX/XX/XXXX and was never told that the accrued interest would capitalize. The two signed promissory notes, one for XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and one for XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX ) both state that accrued interest " may '' capitalize and the subsequent interest statements that I received also said that interest " may '' capitalize when my loans enter repayment after graduation. None of the paperwork that I signed ever clearly stated the rules and conditions under which this judgement would be made by Mohela. " May '' is a deliberately vague and misleading description that leads me to believe Mohela made the decision to capitalize my accrued interest at their own discretion, and in a deceptive manner. This business practice will likely result in an increase of > {$4500.00} in loan repayment to Mohela. 

I am happy to provide any additional documentation from Mohela that is necessary to review my claim. I hope that the CFPB will assist me in this matter. 

Kind regards, XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : Bankruptcy : Dismissed CH-XXXX XX/XX/2013 - XXXX US DIST CT
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity was stolen.
Complaint sub-issue: Public record information inaccurate

Each time i applied for driving job, my background check came back not favourable simply because of inaccurate information or perhaps CFPB has not updated/reconcile my driving record with XXXX. This has not been treating me fairly. I have ordered my driving record at XXXX and also send to the company that is trying to hire me, but i also need you to reconcile and update my driving records in line with XXXX records. Thanks.
Complaint sub-issue: Was not notified of investigation status or results

Today, Im filing 2 separate complaints regarding Equifaxs continued violations of my rights under the FCRA. Following is my first complaint : On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX shows that my letter was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Equifax regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Equifax provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Equifax has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Equifax received my Affidavit on XX/XX/2020.
Complaint sub-issue: Account information incorrect

XXXX XXXX should not be reporting to Equifax ; Experian and XXXX  a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  : {$76.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX & XXXX XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : {$6200.00} XXXX XXXX Balanced XXXX  : {$640.00} XXXX XXXX Balanced XXXX : {$930.00} XXXX XXXX Balanced XXXX XXXX  {$410.00} XXXX XXXX Balanced XXXX  : {$620.00} XXXX XXXX Balanced XXXX XXXX {$1100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my rights numerous of times. 
I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX  XXXX 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 - XXXX
Complaint sub-issue: Information belongs to someone else

I have tried to have Equifax remove XXXX off my report since last year, the account was fraud and it is still showing open with no info since last year. I got in touch with XXXX age they informed me to dispute the account on my credit report and I did as told. on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. At this point I feel like they are not doing there job due to how can an account come back verified when I have Informed them that it was fraud multiple times. the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP Account to be removed off my credit report. Due to the account was opened fraudulently.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX
Complaint sub-issue: Seized or attempted to seize your property

I am responding to CFPB Complaint # XXXX. Another Administrative Wage Garnishment Letter was sent by ECMC to my employer, even though ECMC told my attorney via phone that they XXXX   and a cancellation letter was sent out to my employer. My employer has not received a cancellation letter. My employer told me that ECMC is threatening to sue them for not garnishing 15 % of my gross pay. ECMC states in their response to complaint # XXXX that they sent their attached XXXX XX/XX/2019 letter and a Financial Disclosure Statement form to fill out and return within 15 days of the Letter to my attorney, but there is no form in this letter. My attorney has not communicated with me that he has even received this letter. 

The letter they attached for the complaint is addressed to the wrong address for my attorney. My attorney faxed and emailed with ECMC. Why can't ECMC type the right address on letters? Why can't ECMC fax or email with my attorney like he does with them? This is evidence of ECMC NOT COMMUNICATING WITH MY ATTORNEY. 

ECMC is dishonest, incorrigible, and impossible to work with. They will not work with my attorneys and this has been going on for a decade.
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 govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I hav
e the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Thank you for reviewing my complaint. 
Complaint against : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Background : On XX/XX/XXXX, I sent an email to XXXX XXXX, the apartment XXXX at XXXX XXXX XXXX to inquire about options for my daughter XXXX XXXX XXXX to break her lease. XXXX informed me that the fee to terminate the lease was 2 months of rent ( {$2700.00} ) along with a 45-day notice. 
On XX/XX/XXXX XXXX sent an email to XXXX XXXX apartment informing them that she was providing them with a 45-day notice with plans to move out on XX/XX/XXXX. XXXX XXXX contacted her on XX/XX/XXXX confirming he had received the email and that he would honor the terms provided in the email by XXXX XXXX. Additionally, he communicated to XXXX there would be no additional charges. 
XXXX paid XXXX rent. She then sent a check to XXXX XXXX Apartments for {$2700.00}. The check was delivered on XX/XX/XXXX and XXXX confirmed that XXXX received the check. 

Reason for the complaint : 1 ) Harassing phone calls, 2 ) pressured into providing account information, 3 ) withdrawing funds from XXXX account with providing details for the charges. 

On XX/XX/XXXX XXXX received a Collections call from XXXX XXXX from IQ Data International , INC. During the phone call XXXX XXXX XXXX that she owed XXXX an additional {$970.00}. She told XXXX that if she did not pay the {$970.00} by XX/XX/XXXX, IQ Data International , Inc. would report her to the credit agency on XX/XX/XXXX ( 7 days later ). During the call XXXX pressured XXXX into providing her Credit Card information so she would not have negative credit. On XX/XX/XXXX, IQ International withdrew XXXX from her checking account, overdrawing her account. 
XXXX felt forced to provide her account information as she was looking to rent housing in XXXX XXXX and did not want the negative credit reporting to impact her ability to find housing. 
After hearing about the call, I reached out to IQ Data International Inc. 
a ) We had no prior knowledge of any additional funds owed prior to receiving the collections call. We did not receive written notice of any additional funds owed. 
b ) I asked XXXX what she was going to report the credit agency given we werent delinquent. She did not provide a response or any details as to what she would be reporting to the credit agency. 
c ) When I asked what we owed {$970.00} for, XXXX could not provide any information. She did, however, give me hypothetical examples of what the charges could be She told me it could be for cleaning the apartment. She asked me if we had a walk through and if we didnt, it was probably for damages. ( note, XXXX stopped by the office on multiple occasions on the day we moved out and no one was in the office for a walk-through ) d ) When XXXX called XXXX XXXX XXXX XXXX inquire about the additional charges, they told her she did not owe any money and they currently processing her deposit refund. We provided a {$400.00} deposit when we signed the lease agreement. 

( note, if you need examples of email communications, I can provide them upon request )
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. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I filed a complaint with the CRA XXXX  XXXX   and Equifax. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
Complaint sub-issue: Debt resulted from identity theft

this acct is fraudulent and is a result frim identity theft and the company is reporting this to the credit bureaus as well as has an oppen acct that needs to be closed with thier company.
Complaint sub-issue: Having problems with customer service

My husband and I took out a loan for our daughter to attend a private high school though AES/NCT. My husband I split up and it went into default. As of XXXX 2015 it was paid in full. XXXX XXXX has taken it off the credit report but it is still on the other reports. I have called AES ( American Education Services ) several times and have contacted the credit bureaus. The credit bureaus tell me AES needs to remove it and AES tells me they no longer own it so they wo n't remove it. I have disputed this several times with the credit bureaus, each time they tell me AES states that I am still responsible. As this has been settled through a third party ( XXXX XXXX XXXX XXXX. ), how do I have this negative reporting removed since this account has been settled?.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

In 2011, I applied to the University of XXXX, XXXX send the student loan directly to the University of XXXX. I took 3 classes and realized that my online course was not taught by licensed professionals and canceled. 
I kept paying until I realized three classes do not cost {$10000.00}. I wrote the department of Education a letter about that I had paid almost half of the loan and that three classes do not cost the amount I had already paid. However, I did not get any response and filed a docket within the Federal Court in XXXX. This case was dismissed, yet the Department of Education contacted me three years later from the headquarters of the Department of Education from Kentucky. This issue is in my credit reports since 2011. 
Because of this issue my credit scores are down and I suffered personal damages. I was misrepresented and misguided because I was told I have to file a Loan Borrowers defense in order to have it removed. Can you be of help?
Complaint sub-issue: Reporting company used your report improperly

Equifax has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.
Complaint sub-issue: Account status incorrect

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX XXXX on my credit bureau and it's negatively impacting my score.
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Investigation took more than 30 days

I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX  days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX  days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.