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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried twice to have Equifax remove XXXX medical bills that belong to my sister, XXXX XXXX XXXX XXXX. I personally called the recollection agency and checked to see if the bills were listed under my sister 's SSN and not mine. They informed that the bill was associated with my sister 's XXXX. The bills date to XXXX and XXXX XXXX. XXXX is for ambulance service totaling {$1500.00} and a medical bill XXXX {$640.00} XXXX for XXXX XXXX, both in Louisiana. I have told Equifax that because my sister and I have similar first names, someone at Equifax got us confused and placed the medical bills under my name. But if they would check the XXXX 's, they will see that the bills are not associated with my XXXX. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

Between XX/XX/XXXX and XX/XX/XXXX I attended a school in XXXX Florida to become a helicopter pilot. The school was named XXXX XXXX XXXX and unfortunately went bankrupt before I was able to obtain any certifications. I was still required to pay the full amount of the loan which was over {$80000.00}. Not wanting to be responsible for paying such a large amount for training I never received seemed wrong. The students filed a class action using XXXX XXXX and he negotiated a reduced amount that we would owe though the amount was still very large despite never having received the training promised by the school. XXXX XXXX received millions in fees from the student loan company as part of the settlement. I am still paying on this loan and it has become overly burdensome and I still have twenty years of payments to go.
Complaint sub-issue: Information belongs to someone else

Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the Equifax Credit Bureau, the XXXX and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the Equifax Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account information incorrect

I sent a letter to Equifax asking for the accounts on my report to be investigated and verified. I received a letter back from Equifax stating that the accounts I requested to be invested were not being reported on my credit report, however they indeed are being reported. I sent the company copies of my report that shows the accounts as well as a copy of the letter they sent. They still state that the accounts are not being reported on my credit report.
Complaint sub-issue: Deposits and withdrawals

US Bank Checking Account # XXXX US Bank Debit XXXX # XXXX Date of Birth : XX/XX/1990 Last 4 Digits of XXXX : XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, USA Email Address on File : XXXX Phone Number on File : XXXX -- - To whom it may concern, I was traveling internationally for the period of XX/XX/XXXX through XX/XX/XXXX. On the XXXX, I logged into my US Bank online app in order to mobile deposit a check. I noticed the app gave me the error that " mobile deposit is not available for this account at this time, '' and I was promoted to call customer service. 

On XX/XX/XXXX, I called customer service at US Bank, was notified a restriction has been placed on my account, and was transferred to the fraud department. After talking to an agent from the Fraud Liaison center, I was informed a branch manager somewhere in Illinois named XXXX XXXX has placed a restriction on my account as of XX/XX/XXXX. No reason was given ( or noted on the account ) as to why a restriction was placed. Interesting thing is my address is in California, so I have no idea what a branch manager somewhere in rural Illinois has to do with my account... 

The agent from the Fraud Liaison center speculated that it may be due to the small deposits made into my account from XXXX XXXX XXXX. I explained to the agent on the phone that these are cash back I have earned through purchases made via XXXX XXXX that are being deposited into my US Bank account. The agent was convinced. The agent was unable to contact XXXX XXXX, as she seemed to have been out of the office for quite a while... 


Interestingly, on that same day ( XX/XX/XXXX ) that my account at US Bank was restricted, my brokerage account # XXXX at XXXX XXXX was also restricted. Even though this is still not confirmed, as XXXX XXXX is not giving me much information regarding the issue, I highly doubt this is a coincidence, as there were ACH Transfers ( large amounts ) that occurred between my US Bank and XXXX XXXX accounts in the past 2/3 months, and I am concerned the restriction at XXXX XXXX was placed at the instruction of whoever placed the restriction on my US Bank account... 

I, hereby, request US Bank to provide me with a CLEAR lawful reason as to why a restriction has been placed on my account, and the money in my account is being held hostage with no explanation or clear instructions on how to rectify the matter. As far as I know, I am not under investigation by any federal or state agency, and there are no judgements/court orders against me that would obligate the bank to make my life miserable. 

Secondly, if the agent at US Bank has also caused issues for my account at XXXX XXXX, I, hereby, request that contacts be made requesting my funds at XXXX XXXX to be released, and all the previous instructions to be reversed... 

Please contact me, promptly, if you need more information, or you need to discuss further steps to release my money, and my accounts. 

Sincerely, -XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!
Complaint sub-issue: Information belongs to someone else

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the Equifax data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Complaint sub-issue: Didn't receive notice of right to dispute

I moved into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, on XX/XX/XXXX, I moved in on a 12-month lease. Prior to me moving in I put a {$500.00}, deposit with the first months rent. During my stay I never was late with rent my rental history was good always on time payments. Once my 12-month lease was up I decided to move. I went to XXXX XXXX XXXX in XXXX Texas. Before I moved, I gave the proper 60-day notice to move. Before I moved, I did a complete walk thru with the property manager, on XX/XX/XXXX, which was a few days extra, I paid {$250.00} for the extra stay. XXXX XXXX XXXX received a rental verification from XXXX XXXX XXXX XXXX stating that I did not have any balance with them. Then in XX/XX/XXXX I was having a hard time getting a place to stay, even though I have stay in 3 apartments since. I was told by now apartment manager that I was in collections for money owed to XXXX XXXX XXXX XXXX, with Pro Collect and this was on my credit since XX/XX/XXXX, in the amount of {$340.00}. I never received my deposit back and never received any notice that there was a now balance after there was not with verification to my new apartments which at that time was XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX had my new address and apartment number to be able to send me any correspondences about any newfound balance that they discovered error. However, I never received one letter no phone calls or emails. When Pro Collect took over, I never received any correspondences from them at all about any new founded balance. Less than one month of me moving into my new apartments XXXX XXXX XXXX  is when Pro Collect was added to my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

IN REGARDS TO : XXXX XXXX-XXXX XXXX XXXX   XXXX XXXX TEXAS XXXX THIS ACCOUNT IS NOT MY ACCOUNT AND I AM NOT PAST DUE ON MY CHILD SUPPORT. I DISPUTED THIS ACCOUNT ON XX/XX/XXXX THROUGH CERIFITED LETTER LETTING THEM KNOW AS WELL AS EQUIFAX THE ACCOUNT WAS NOT ACCURATE AND MY PAYMENTS HAVE BEING MADE ALWAYS ON TIME. I WAS INFORMED XX/XX/XXXX THAT THE ITEMS WERE REMOVED FROM MY CREDIT REPORT. NOW I DISCOVERED THAT THE ITEM HAS BEEN REINSERTED ONTO MY REPORT. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) requirement relating to reinsertion of previously deleted material. ( ii ) Notice to the consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I RECEIVED NO SUCH NOTIFICATION. THIS IS A VERY SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE LEGAL ACTION FOR YOUR BLANTANT DISREGARD FOR THE LAW. EQUIFAX AND THE ATTORNEY GENERAL 'S OFFICE SHOULD BE ASHAMED OF THEMSELVES. INVESTIGATE INTO THE MATTER. YOU HAVE ME MIXED UP WITH SOMEONE ELSE MAYBE THE NUMBERS OR NAMES GOT CROSSED, OR SIMPLY A HUMAN ERROR.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again. 
But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - Discover Financial Service, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( tel : XXXX ) - XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX./XXXX  XXXX  XXXX XXXX XXXX XXXX., XXXX, WI XXXX ; and - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According with the fair credit reporting act XXXX account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

XXXX/Equifax/XXXX  credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX Open Date XX/XX/2013 Balance : {$8700.00}
Complaint sub-issue: Account status incorrect

I had a collections account that was declared paid in full AND DELETED from all 3 bureaus on XX/XX/20. XXXX and XXXX have removed it from my report, however it is still showing on my Equifax report. I called the collections agency on XX/XX/20 and he stated he submitted a 2nd submission to Equifax on XX/XX/20 to have it removed. As of today, XX/XX/20 it still appears on my credit report. I would like to have this collections account deleted as soon as possible as it has been with the other 2 agencies.
Complaint sub-issue: Personal information incorrect

Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello. I attempted to call IQ Data on XX/XX/2021 in regards to a debt I owed and advised to them I could not pay this full but wanted to make a payments and would pay them in lump sump payment, the representative informed me this was unacceptable, told me to borrow a loan and advised to them did not feel comfortable doing that since I was already in debt. Stated for me to sale items, even suggested to me would be in breach of contract and could cause serious legal action, damage my credit, including wage garnishment etc. I called back and asked for VP IQ Data and was transferred too someone named XXXX was incredibly rude as well and hung up in my face. This was a very bad experience for me. I want to take care of my debt but refuse to work with me while being rude, and threatening. When I would call back to get a reply they would continue to transfer me all around. Last contact advised will document call and hang up in my face.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt collection letter to this Amerifinancial Solutions In the month of XXXX of 2019 Basically, I was asking them to validate not verify the debt they say I owe, In a response letter what they sent me back was a violation of my HIPAA rights. Because I did not sign any HIPAA release form with XXXX  XXXX XXXX, to share my information with the Amerifinancial Solutions.
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with a referral link for a {$500.00} bonus when the terms and conditions were met on XX/XX/22. The terms and conditions stated that I had to make a direct deposit of {$200.00} or more every 30 days for 90 days, and make {$200.00} in debit card transactions in the same period. I completed all of the requirements for each of the three 30 day periods. 

On XX/XX/22 which is after the 90 day period, I messaged their customer service to confirm that the requirements had been met and that the bonus would be issued. They would only send me a generic response stating that I might not have qualified for the bonus for various reasons, and would not respond to further requests for clarification.
Complaint sub-issue: Account status incorrect

Both my stident loans were always on forbancr..i was not supposed make any payments for i had no incone XXXX. 

In XXXX and XXXX additionally puerto rico wa hit by 4 hurrixanes. XXXX. We were declared disaster zone by the US president. 

The late payments they repirted on my account are wrong. I want them erased. They are harming my crexit score. 

There was no liability to pay at that time.
Complaint sub-issue: Debt is not mine

Out of the blue, I get a call from : Pro Collect XXXX TX They were extremely rude, and insisted I owed for a XXXX XXXX electricity bill from 2013. I told them I never had that service. I asked them for details. They would only provide them by mail after I gave them my current address. They insisted I pay the debt immediately or they would report the non-payment to the credit bureaus. They sent a statement for a bill for a person who shares my name ( or used my name ), and lives or lived at a place in a part of the state I have never lived. 

I sent them a certified letter disputing the debt and asking for proof, such as an original contract, that the debt was mine. They responded only with the same billing statement from XXXX XXXX and stated the debt was mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Discover Bank ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Discover Bank is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

This is my 3rd complaint. Equifax is reporting accounts to my consumer report without my authorization. They are in violation of many federal laws. This account was deleted from my report and then put back on with out any notification thats another violation. I am highly upset that I am being taking advantage like this.
Complaint sub-issue: Received bad information about your loan

I am a cosignor for my daughters loan. I cosigned back in XXXX for two loans with American Education Services. I was told that if she paid the loans back for 2 years with loan late payments I could be taken off the loans. I call back in XXXX to get my name removed and they gave me the run around and I was told some paperwork would be sent to me. Then I call back in XX/XX/XXXX to ask to be removed off the loans and I was told that I could not be removed under any circumstances. I then asked for a copy of the note I signed and they sent me some bogus note and a copy of the faxed signature page. I am requesting to remove off the loans. I would have never agreed to cosign if there was no process of me being removed other than paying them off.