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

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.
Complaint sub-issue: Debt is not yours

Charge from XXXX is early cancel fee. In 2016 XXXX was to send me a phone next day - no record and follow up call when phone received advised I would be out of phone for several days possibly a week. They were unable to allow me to acquire the same phone from a store. I had just recently been laid off and a phone was a necessity as I did not and do not now have a land line phone. 

I ported the number to XXXX XXXX XXXX the next day - Saturday, I believe. I attempted to resolve the issue on multiple occasions with XXXX to no end. They would not own up that it was their own actions that resulted in my departure. Jefferson Capital is
attempting to collect on a debt accrued in IL in 2016. The statute of limitations is 5 years. I have attempted to ask they remove the collection from my credit report directly and via XXXX ( only agency reporting the debt ) without success.

Please help.
Complaint sub-issue: Talked to a third party about my debt

I had an installment loan with Moneytree. I made payment arrangements with my first payment due Sat XXXX. I called and made the payment and was told the money would n't be taken out of my account until Monday the next business day. I said please make a note that payment was made on time and was told no problem, you 're ok. 

The following Wednesday XXXX I get a call at work. I was busy so the bartender took a message. I get the message that says " Call XXXX at Moneytree " along with an XXXX number. 

I returned the call and was told you are late on your payment and I informed her I was not and had a confirmation number to prove it. 

They called and shared my personal information with a third party ( the XXXX ). Not only have they now humiliated me at my place of employment but have jeopardized my job due to the industry I 'm in.
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Complaint sub-issue: Information belongs to someone else

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, which were UNKNOWN to me . I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 I deposited my paycheck for {$3000.00} issuing bank XXXX XXXX XXXX  dated XX/XX/2021. 

ITIN:XXXX Business name XXXX XXXX Paycheck made out to XXXX XXXX as a ID : XXXX Today the account is placed on hold my close after the day of deposit. 

I asked how? Then was asked questions not relavent to the verification of my deposit to finish the process and get determination of payment by XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

Account was opened but not by me. Account was charged a little over {$8000.00}. I didnt make a single charge. I filed a police report and the company has never contacted or bothered me about any payments but it hurt my credit score.
Complaint sub-issue: Didn't receive notice of right to dispute

I have tried to call several times and no one will answer the phone. I have disputed this account with my credit bureaus and it gets taken off then reappears months later. They will not send proof of the account being mine. They have not sent any letters in the mail for me to dispute and no way to contact them to dispute the collection. The account is over XXXX years old and statue of Limitations is up.
Complaint sub-issue: Information belongs to someone else

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Complaint sub-issue: Problem accessing account

I opened a XXXX  account on XX/XX/XXXX. I tried connecting my checking account but it would not work. Hours later I received a notification to contact support so I did and provided the requested documents to verify my identity. My account was still usable so I made transfers from my XXXX wallet balance to this account periodically as I started setting up my billers to use this account information. In total I deposited {$870.00} to the account. I set up my company 's direct deposit to go into the account as well. On XX/XX/XXXX at XXXX I received an email that stated " Your XXXX  account has been temporarily XXXX ''. I replied to the email with the verification documents requested ( ID, Bank statement, Utility bill, Direct deposit form ). I tried logging into the app and was unable to. I tried calling but their system makes you enter your debit card number to proceed. On XX/XX/XXXX at XXXX I called XXXX and entered my card number in three times until it automatically transferred me to an agent. The agent looked up my account and state that it was closed. I asked for more information and she stated " your account is closed without refund ''. She told me she was going to email higher support. I requested to be transferred to higher support but she did not.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.
Complaint sub-issue: Information belongs to someone else

I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my Equifax credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. XXXX  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XX/XX/XXXX. I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XX/XX/XXXX, reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. XXXX RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. Equifax should immediately remove this from my credit report, and XXXX should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.
Complaint sub-issue: Information belongs to someone else

I have submitted to Equifax on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX Hospital they received it and put a fraud alert in my report. In XX/XX/XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report.
I received a letter this data was verified and I sent a letter saying tell me how you verified it when I know for a fact I have never been to this hospital and do n't even know where it 's located.
I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX ( duplicate pull ).
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. I have read enough to understand my rights. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET XXXX XXXX XXXX  XXXX, XXXX Balance {$600.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXX Balance {$440.00} ; DEPT OF ED/NELNET XXXX XXXX XX/XX/XXXX Balance {$1900.00} ; DEPT OF ED/NELNET XXXX OpenedXX/XX/XXXXBalance {$3600.00} ; DEPT OF ED/NELNET XXXX XXXXXX/XX/XXXXBalance {$3800.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$2100.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$1900.00} ;
Complaint sub-issue: Information belongs to someone else

I am trying to build a house. In XXXX our mortgage company ran my credit. They questioned me about some delinquent accounts including child support and a vehicle finance company that I have never used. I then requested my free credit reports. I had to mail in my proofs of identification. I then received XXXX XXXX and XXXX reports in the mail. However I received a letter from Equifax made out to my brothers name but my address. They were requesting more identification. I then wrote a letter explaining that it had my brothers name and I mailed the letter with more proof of identification. Once again received a letter. This time addressed with my name requesting identification again. I then called Equifax at the number on the letter and they continued to tell me that they did not have my identification. I then obtained a fax number and faxed my proofs of identification with the letter again. I called the next week. They told me I needed to wait on a letter. We finally received a letter stating that I needed to send more identification and that I would have to pay for report. I called again. I was told that my brothers and my information had been merged. They assured me that it was fixed. They told me I had my own file but nothing in it. I then tried to get onto my Equifax on line and view it. Was locked out. So made numerous calls yet again to be able to log on. Finally was unlocked and I logged on. Everything that showed under my user name and account was all of my brothers personal information wth some of my accounts but mostly his. Called them again. They told me that my account was cleared and that they could not explain why all of my brothers information was showing. I then was told by my mortgage company to go to XXXX and run my credit there that I would have to pay for it but it would show if it was cleared. I made an account at XXXX and was unable to get information. I called myfico and was told that I could not get in because of issues with my Equifax. I then called Equifax again. Needless to say I still can not view myfico and Equifax is showing all of my brothers information including all of his personal information. I have been dealing with this continuously since the end of XXXX. My home has been delayed due to this and I have no idea what to do from here. I need this resolved and I am getting no where with Equifax.
Complaint sub-issue: Other problem getting your report or credit score

i have been attempting to get Equifax report and score as well and their customer service team has no idea why customer keep getting error messages. THis appears to be widespread and their own reps say this has been escalated for months to their technology team. There are blogs on my fico speaking about this.
Complaint sub-issue: Debt was paid

I purchased furniture from Acima Credit All payments were made on time and paid in full. In less than a month after paying for my furniture and having it for less than a month my furniture started breaking I took some of the furniture back to the consumer and asked for a refund which he refused to give to me. Then I had to do a charge back for the items that broke now assume it is turning around and putting those items back on my credit report as a duplicate which was already paid for in full. I have went on the XXXX XXXX XXXX site to see that Acima Credit has two stars in multiple amount of complaints for billing accounting collections and everything they are getting over on consumers every day and ruining their credit this Has to stop.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of accoun XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Don't agree with fees charged

I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account 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, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information incorrect

CFPB + Equifax, There are wrong names and/or variations on my credit report- please have that corrected as soon as possible. 

attached to this complaint is : - my drivers license - my social security card - my address- my written complaint - screen shot of location on my credit report Please have these corrected asap, thank you.
Complaint sub-issue: Trouble with how payments are handled

Hello there - My payments have been mostly steady over time ; I chalked up minor fluctuations in the minimum payment to be the consequence of my own tendency to pay different amounts toward my student loans each month ; some months, I had an extra {$20.00} or {$40.00} to put toward the loans, so I did. I have only ever paid more than the amount due, be it {$2.00} or {$50.00}. I assumed this was why my minimum payments occasionally jumped by {$10.00} or {$15.00}. I did n't think much of it. 

However, upon logging in to make my payment this XX/XX/XXXX, I saw a {$100.00} spike. After conferring with a friend, I discovered that I was required to re-certify my income in order to maintain my current repayment plan. But FedLoan Servicing had 'notified ' me by sending a message to my account on their website, a small and unnoticeable section of a portal I use exclusively to make payments. It was akin to posting a sticky note on the community bulletin board in XX/XX/2017 - not only does no XXXX use bulletin boards, but a small sticky note posted among the decade-old XXXX newsletter felt deliberately deceitful. 

Now the interest has capitalized and I 'll suffer the consequences of XXXX 's failure to notify me of the need to recertify. It was either a lazy attempt to notify me or deliberately deceitful. XXXX is too weak an adjective to describe FedLoan servicing 's failures. Would it have been so difficult to send an automated email regarding this? An automated follow up?
Complaint sub-issue: Their investigation did not fix an error on your report

From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX XXXX. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XX/XX/XXXX,  however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX. I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX  removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that XXXX  removed XXXX but kept XXXX, Equifax   removed XXXX but kept XXXX. When I checked my dispute status with XXXX, it shows n/a for both completed and results. 

Additionally, my XXXX  page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage Equifax and XXXX  to update their reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX acct # 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize nor consent to the following inquiries being furnished on my consumer reports.
Complaint sub-issue: Debt was paid

XXXX : the original amount of debt was {$590.00}. 
The debt was with XXXX after switching service. Had called XXXX many times but debt continued to build up. 
Paid the entire debt in full and in good standing through ERC. ( letter attached ) PLEASE UPDATE REPORT