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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records, If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Received unwanted marketing or advertising

I am trying to buy a house and just checked my XXXX account and found all these fraudulent account XXXX on my report that I have no knowledge of, 1 ) XXXX XXXX SYSTEMS, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Requesting Equifax to provide physical documentation from their E-OCAR. How did you verify these debts from XXXX XXXX? How did you verify the payments and balance? None of this information is accurate. Please delete this from my report immediately.
Complaint sub-issue: Information is missing that should be on the report

XXXX  IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!
Complaint sub-issue: Frequent or repeated calls

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has called my job repeatedly after my employer we can only have emergency calls only. He said O have several law suits against me, he spoke with a employee about me as well as she was trying to take an message. XXXX XXXX hung after I told him Im at work and couldnt talk at the moment he said he will keep calling back. They call me every 15 minutes on my cell phone.They have also called several family members whom I not related to but are my husband family.
Complaint sub-issue: Information belongs to someone else

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate
Complaint sub-issue: Received bad information about your loan

In XXXX, I called Allied Interstate to place my loans in rehab to ensure I could receive Title IV funding for my final semester. I was placed into a program to make nine payments and then the loan would be rehabbed. I had automatic payments scheduled and had no problems with my bank accounts, when the sixth payment processed I contacted Allied to have notice sent tot the school that I would be able to resume receiving financial aid. In XXXX the final payment was not taken from my account, and returned to the guarantor of my loans ( XXXX  ). They have advised me that I will have to begin the rehab process one more time, and Allied has blatantly lied to XXXX about what happened with my account. I had not been able to get complete information about what happened until I contacted XXXX today, and am quite bitter that I reached out to do my due diligence as a borrower and was not given information that was accurate on how to proceed. I did file a Borrower Defense to Repayment in XXXX of 2017 which Allied was aware of, I informed them that I wanted that hold removed, which they said they complied, but when the loan was returned to XXXX the hold was still there, and no further information could be given. These practices of bouncing the loans from one servicer to the next are reasons why borrowers are struggling to get accurate information to maintain timely payments and avoid problems like default. 

I have attached my contract with them, also the statements where the money was removed and the last statement which shows that the money was never attempted to be removed from my account for the final payment ( they have claimed that the payment was returned for the final payment )
Complaint sub-issue: Collected or attempted to collect exempt funds

I called this company I explained to them that the lending club loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the lending club loan company and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the Lending Club has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the lending club has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX/XXXX, {$3400.00} and XXXX XXXX  XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts and credit inquiries listed on my XXXX and Equifax credit report was opened without my authorization and the accounts and credit inquiries are fraudulent accounts and credit inquiries : XXXX Banks XXXX {$280.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XXXXXXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX {$5600.00}, XXXX XXXX XXXX XXXX {$580.00}, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Good Morning, today I am apllying for a mortgage loan for my new house and was informed of my XXXX XXXX. Shocked that they were so low I saw the statements that Sears had sent in late fee notifications in XXXX XXXX and XXXX of this past year. I paid off my Sears credit card in the amount of {$3500.00} back in XXXX of XXXX. I have not used the credit card since! I called the first time and got a nasty lady who told me there were purchases made to XXXX on XX/XX/XXXX and XX/XX/XXXX. I do not have an XXXX account it is under my wifes name and do not even have an updated credit card. The lady told me she cant do anything because my account is closed. I then called a second time and spoke to a gentleman who stated they cant help me unless I send a letter with all my personal information full social mailing address with why I am disputing these. I never received any letters from the company about charges or late fee letters. These reports are affecting my mortgage rate on my house over a purchase I was informed was under {$100.00}. If I knew about them I would have called immediately!!! I am very angry they offered me no help with my disputes over the charges of a credit card I have not used since XXXX!!!
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2022 I transfer {$330.00} from my personal checking account to my Coinbase prepaid debt card. Coinbase received the funds from my checking account on XX/XX/2022. 
Coinbase is holding that {$330.00} dollars, Coinbase is not giving me access to it. The {$330.00} was never applied to my Coinbase debt card. I called them XX/XX/2022 several times. The Coinbase reps told me that for security reasons my {$330.00} was placed on hold until XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have access to the funds. I want my money, please.
Complaint sub-issue: Problem with personal statement of dispute

Equifax, XXXX and XXXX is not complying with their own policies in a timley manner
Complaint sub-issue: Information belongs to someone else

I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined. 

Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.

I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I 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 Please find out about helping me please and help get my identity back please
Complaint sub-issue: Information belongs to someone else

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  aka XXXX XXXX XXXX  and through their collector Alltran Financial , LP are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company do not have my permition to check my credit this is a fraudulent
Complaint sub-issue: Account status incorrect

CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint
Complaint sub-issue: Account status

I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.
Complaint sub-issue: Information belongs to someone else

Someone has been using my personal information to open accounts without my knowledge.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I asked them to show me prove and they hung up on the phone. it is on my credit report and it is damaging it. they just sent me a letter.
Complaint sub-issue: Not given enough info to verify debt

They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.
Complaint sub-issue: Reporting company used your report improperly

XXXX   XXXX  accessed my credit file on  XXXX   XXXX ,2017 without my permission. I have contacted them via mail, email, fax and phone to notify them that I had not given them permission to access my account. They have failed to remove this inquiry as requested. I have provided them all the information necessary to address this issue to no avail. They have this inquiry still placed on my Equifax credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem getting your free annual credit report

Today, XX/XX/XXXX, I tried to get my free credit report from Equifax using their online request system. After providing the requested information I received the message " Online delivery unavailable ''. I tried calling them and I get an automated system which says they can not find me in their system. I have tried this before several times. I have also carefully and fully mailed them all the requested information twice and been told they can not find me in their system. I know I have been in their system because I place a credit freeze on my Equifax report in XX/XX/XXXX and XX/XX/XXXX. I have attached confirmation documents from Equifax showing this. Yet now, when I try to unfreeze my credit, they say they can not find me. This has prevented me from opening an account at a credit union. I have a credit card, I have no outstanding loans, I always pay my bills on time. And I buy things with my credit card and am never behind in my payments. I am the secondary on my wife 's card and Equifax can't find her either. I want to be able to access my Equifax credit report and unfreeze it, if it is still frozen. Please help us get access to our credit reports and find out why we can't, and why no one else can either.