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

Equifax verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFBP to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Complaint sub-issue: Problem after you declared or threatened to declare bankruptcy

The company calls at least 5 times a day and now is calling my daughter daily. They tell her in the phone that they know she is my daughter. They also have started calling my son in laws phone daily and he wasnt even a reference. We are unsure how they got his number. 
We block the number and they call from another number. 
I have a lawyer and bankruptcy paperwork is in the final stages. I am on the back half of my loan so all interest has been paid. 

Company is Flagship Financing..
Complaint sub-issue: Account status incorrect

On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified Letter indicating the Payment Status was still reporting inaccurately. Equifax refuses to correct and update the Payment Status for the account XXXX XXXX XXXX The Payment History has been updated to no late payments but the Payment Status is still incorrect.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX, XX/XX/XXXX I had an eviction filed against me by XXXX XXXX XXXX Professionally Managed by XXXX XXXX, I was making partial payments, I tried getting rent assistance from multiple places but it was the middle of the pandemic and things were hard, I was 6-7 months pregnant at the time and lost my job due to XXXX. 
On XX/XX/XXXX i delivered a CDC Declaration for the eviction moratorium to the offices of the apartment, they received it and stated that because I didnt have supporting documents they were going through with the eviction for late payment. 
Per the XXXX At the time, you did not have to provide any supporting documents of hardship, They filed the eviction and in the court documents it stated I owe {$1400.00}. 
The property management sold within the time between then and now, and have sold my debt to MARS, the balance on the credit report is {$3900.00}. 
Ive gotten in contact with XXXX XXXX and have been talking to XXXX XXXX XXXX, XXXX Vice President of XXXX XXXX XXXX Multifamily They had no record of the signed declaration, and are not being very helpful to come up with a solution, She said my balance was {$3900.00} due to rent owed and damages to said property but, court documents do not state any damage to property. 
Ive tried getting in contact with both more and i have heard nothing. 
They completely ignored the CDC declaration I delivered. I shouldnt have been evicted at the time, I ended up pregnant with nowhere to go and now Im unable to get any type of rental to provide a home for my son due to there lack of attentiveness.
Complaint sub-issue: Account information incorrect

My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX Citi Card alerted me of illegal transitions on my credit card. I contacted them back on XX/XX/XXXX and realized that I had 4 charges from the same merchant in the amount of XXXX, XXXX, XXXX, and XXXX. The credit card was canceled and the Bestbuy Citi bank representative assured me I would not have to pay back said amount. On XX/XX/XXXX I was told that I would now be responsible for the charges. They investigated and said it was legit charges and sent me a letter stating this. I have sent in a police report and a certified letter to Bestbuy citi card disputing the fraudulent charges on my card. The letter that I got, I cant read, because the words are so small. I called bestbuy, and they cant tell me neither, because so small.On XX/XX/XXXX was told by bestbuy representative that my case is being reopened. Can you help me. Thanks
Complaint sub-issue: Keep getting calls about your loan

I am a co-signer for my son student loans. On or around XXXX XXXX, XXXX my son and I spoke with a representative of Sallie Mae. We informed her ( XXXX ) we had contacted Sallie Mae previously. During the initial contact in XXXX, the automated system continued to loop. The second time on or about XXXX XXXX, XXXX, my son contacted a Sallie Mae representative who kept pressing him for a payment despite him calling to get clarification as to how and why he has three loans with them when he was informed that XXXX would be his loans servicer/processor. He also stated he was not aware of these loans with Sallie Mae and requested additional information concerning the loan. In addition, he informed the representative he has not found employment since graduation and would like information on and/or enrolling in an alternate payment plan. On or about XXXX XXXX, XXXX I spoke with Sallie Mae representative XXXX in an attempt to resolve the issues at hand and stop the constant barrage of calls every day. XXXX stated she would annotate the account we had spoken and we had concerns requiring clarification on and of the loans because the only correspondence we ever received was from XXXX concerning student loans. I also requested copies of the loan documents so my son and I could get a better understanding of his obligations to Sallie Mae. On or about XXXX XXXX, XXXX my son received a call from XXXX. He relayed the conversations and resolutions that had been established previously. XXXX informed my son that it would take up to 10 days to received the information he requested along with changing his billing statements from paperless to a hard copy. She also stated he had 60 days to review the loan documents from Sallie Mae and any financial aid documents from the school to get clarification as to how and why these loans were not properly disclosed before there would be a negative report on his credit. We informed XXXX the payment issue would be resolved by the end of XXXX XXXX. We need to fully understand my son 's obligations and responsibilities concerning these three loans in question. She said she would annotate the account of our conversation and if we had any further questions or concerns feel free to call. Again after our conversation with XXXX, we assumed the issue had been resolved and the calls would stop. However, every day from that date I have received XXXX to 4 calls from a Sallie Mae representative. Over the past two days I have vehemently expressed to these representative we have spoken with members of their company on various occasions, I do n't understand why they keep calling and the constant calls is a form of harassment. I demanded for them to stop harassing me with the constant phone calls. From XXXX XXXX, XXXX to XXXX XXXX, XXXX I have received XXXX to 4 calls per day everyday from Sallie Mae. This has gotten to the point where my XXXX XXXX is constantly at a dangerous level from the stress of these relentless phone calls.
Complaint sub-issue: Funds not received from closed account

I am XXXX XXXX XXXX XXXX of XXXX OF XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX  XXXX XXXX XXXX non-profit XXXX have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds, and a hold on the Us bank account since XX/XX/2022 with out any authorization from the XXXX XXXX XXXXXXXX XXXX XXXX 's Board of Directors. Us bank 's unfair action, violate, the XXXX XXXX XXXX Business Practice Act protection laws, XXXX Deceptive Trade Practice Act protection laws, and the California Unfair Competitive Act Protection laws by holding XXXX XXXX XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX growth, and expansion in the United States Of America.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted a letter from XXXX XXXX AND THIS 30 DAY LATE IS STILL REPORTING ON MY CREDIT REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

See attachments
Complaint sub-issue: Charged too much interest

On XX/XX/2018 I made a purchase on XXXX using a Klarna credit account. This was a 6 month interest fee purchase ( 19.99 % deferred interest ). On my XXXX bill it shows that I needed to pay off {$390.00} by XX/XX/2018 to avoid approximately {$74.00} in deferred interest. I made a payment of {$400.00}, which was more because I how how credit card companies are and will try anything to nickle and dime money from you. Anyways I check my balance the next day and I'm hit with {$74.00} in interest. I contacted XXXX and we went back and forth and they apparently apply the payment differently between promotional and non-promotional purchases. I'm attaching the statement I was sent, but I feel like after reviewing the statement I was sent, it looks pretty deceptive ( visually and in wording ) in their showing of what needed to be paid in order to avoid deferred interest.
Complaint sub-issue: Unable to open an account

I was trying to invest in XXXX account through XXXX, but every time I tried to do so its failed. I would like to know why.
Complaint sub-issue: Not given enough info to verify debt

When checking my credit report I discovered a collection account for an old XXXX XXXX account through Enhanced Recovery Corp. in the amount of {$790.00}. I am a former XXXX customer. I switched service providers in XXXX of 2013. My records indicate that I notified XXXX of my decision to switch provides in late XXXX 2013. There is no way I owe XXXX over {$700.00}. I paid my bill up until then. Please note that I am disputing this collection and I am requesting ERC to cease and desist with any further collections on this account. Have ERC contact XXXX the original creditor and make them aware that I disagree with this collection. I have not received nor have I spoken with anyone from ERC or XXXX regarding this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint in response to the current evaluation presented by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to correct. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my Personal information. I have also been sending multiple letters before, but despite all my efforts, the Credit Bureaus have been doing nothing! I am appalled by the ability of the Credit Bureaus to pay no attention at a consumer 's requests. I am inclined to pursuing legal action and sue the Credit Bureaus for their Actual damages done. I need the following items removed now! : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1500.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a non-targeted Citi Bank checking and saving account combo on XX/XX/2018 because they have an ongoing promotion of {$400.00} to new customers who deposit more than {$15000.00} in new money. I deposited {$1500.00} on XX/XX/2018 and {$15000.00} on XX/XX/2018. I maintained at least {$15000.00} throughout the time with Citibank in order to get the promotion. Citibank has tendency of deceit and bait and switch on these marketing tactics. I have chatted with the customer service representatives many times on the bonus, and all of them informed me that I would get the {$400.00} by XX/XX/2018. You can see the attached screenshot. However, when I contacted Citibank on XX/XX/2018, they said that I did not qualify for the promotion, despite the fact that this is still an ongoing promotion on their website : https : //banking.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

The XXXX XXXX has filed an eviction reason because I called code enforcement they came out hit the company with almost 9000 in fines so for them not to pay it they had my family and I kicked out sold it to their friends cheaper once the title was in their friends name it was no longer their response ability they refused my money so I didnt know to do never been in that kind of situation
Complaint sub-issue: Debt resulted from identity theft

I was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
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
Complaint sub-issue: Attempted to collect wrong amount

I have been renting a townhouse at XXXX XXXX in XXXX XXXX since the summer of XXXX with my then XXXX year old child. 

Since, XX/XX/XXXX the premises have been infested with fleas. The XXXX XXXX office was notified promptly on XX/XX/XXXX of the issue. It took me following up with the office staff twice per day after reporting the problem just to get an exterminator to come to assess the situation on XX/XX/XXXX. After the assessment, the rude and unhelpful XXXX had the exterminator scheduled to come out to do the first treatment on XX/XX/XXXX, knowing that the time was of the essence and that the unit was uninhabitable. I had to insist on the exterminator to come out sooner, so XXXX came out on XX/XX/XXXX to do the first treatment. 

During the assessment visit by XXXX XXXX XXXX XXXX, I was given a guarantee by him that the problem will be fixed after the first treatment. Well, the problem didnt go away after the first treatment on XX/XX/XXXX. I reported to the office again and XXXX came out again on XX/XX/XXXX to do a second treatment. And again, the problem did not go away. I contacted the office and emailed XXXX XXXX on multiple occasions after that, however, have not gotten any acknowledgement or a reply. 

I had no choice but to hire a private exterminator, that had come out on XX/XX/XXXX and XX/XX/XXXX to treat the premises. 

In the meantime, the unit hasnt been occupied by me, my son and our cat since XX/XX/XXXX, because its UNINHABITABLE. 

The landlord has breached the lease agreement ( item XXXX, last paragraph ), by leaving the property in uninhabitable condition, but still requiring full rent. ALL RENT WAS WITHHELD, UNTIL PROBLEM RESOLVED. 

I requested that they repair these conditions immediately. Neither I, nor anyone on the premises with my permission, caused this problem. I also reserved all legal rights and remedies with regard to this situation. 

XXXX XXXX failed to cure the issue, but instead filed an eviction against me on XX/XX/XXXX. At that point I hired legal representation to represent me and my legal rights. The eviction was dropped because I moved the rest of my belongings on XX/XX/XXXX. 

Now Sklar Law LLC, is coming after me for the debt that they say I owe to XXXX XXXX in the amount of {$4500.00}. On XX/XX/XXXX I replied to Sklar Law letting them know that I dispute the debt and reasons why. In return on XX/XX/XXXX they sent me a one page summary of charges, stating that it's a debt validation.

Sklar Law, LLC did not research the issue and problem, as to the reasons why the rent was not paid for XXXX and XXXX of XXXX.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Frequent or repeated calls

I have an account with XXXX XXXX XXXX. I recently scheduled a payment on XX/XX/XXXX to be debited from my bank account on XX/XX/XXXX. I have done this several times in the past. Over the past week I have received no less than 15 phone calls per day from Conns even though I have already scheduled the payment for more than the amount due. This morning they called my Grandmothers home regarding my debt. I have never given them her number or permission to call that number.
Complaint sub-issue: Information belongs to someone else

I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$180.00}
Complaint sub-issue: Personal information incorrect

Hello, I recently received a copy of my credit report and I see there is inaccurate information for my personal information section. To diminish speculation my personal information is as follows : Legal name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Employer : XXXX XXXX Please remove any other references to my name, address, and employer as they are not mine and I have never used them. Also, please send me an updated copy of my credit report when these changes are made. 
XXXX
Complaint sub-issue: Information belongs to someone else

I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax This is a request to remove the following inquiry that were made without my expressed permission XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Equifax is a most incompetent, unresponsive and obstinate organization. On XX/XX/2019, I wrote : Dear Ms. XXXX, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake calling me XXXX XXXX XXXX XXXX, adding a suffix ( XXXX ) I have never used, and have no reason to use, as I have NO MALE children. 

I have sent them copies of passport, drivers license, social security card all with my name ; XXXX XXXX XXXX. In addition, all my financial information, e.g., bank accounts, credit cards and Trusts are under my name : XXXX XXXX XXXX. Yet, Equifax insist on adding a suffix to my name!!!. I am tired of dealing with them. Should I sue them for wasting my time writing letters?
Complaint sub-issue: Account information incorrect

Equifax shows ALL the SAME disputed information DESPITE the evidence I provided here, also via certified mail, also online uploading directly to Equifax THEY NEVER LOOKED AT ANY DOCUMENTS AND BANK STATEMENTS and they continue taking the sane false information from the sane furnisher again and again. ALL THE FALSE INFORMATION REMAINS ON MY EQUFAX CREDIT REPORT VIOLATING MY FCRA RIGHTS Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.