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

My wife and I are trying to buy a house and the realtor that we are working with ran our credit today XX/XX/2020 to see what we qualify for but he told me that we would not be able to get a home loan right now because my credit report came back with several negative accounts. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX and US BKPT CT CA XXXX XXXX. I never opened an account with any of these companied nor have I ever filed for bankruptcy. I have never given anyone permission to open an account in my name ; I did not benefit anything from any of these accounts and I did not contribute to any payments made or any purchases. I filed an identity theft report with the federal trade commission as well as a complaint with the CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( MEDICAL XXXX   EQUIFAX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Complaint sub-issue: Personal information incorrect

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some wrong information from my report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Public record

Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent numerous of letters, the dates XX/XX/2019 with tracking number XXXX, disputing an account with Equifax, original creditor being XXXX XXXX. Equifax has failed to provide me with any physical verification of any such account ( XXXX XXXX ).
Complaint sub-issue: Debt is not mine

always lived with parents never had my own place to have cable
Complaint sub-issue: Account status incorrect

Date of delinquency are incorrect with student loans so once I filed a dispute with Credit reporting agency Equifax, to please remove the account that have been closed, they stated the accounts wasn't closed that they report late payment not receive dropping credit score 126 points, I asked if the account was already passed due 10+ years ago and affected my score then, how can it continue to affect my score report as if its new late account..
Complaint sub-issue: Information belongs to someone else

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017 with a balance of {$9600.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance : {$27000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has falsely verified several accounts in question. They claim that XXXX XXXX is my accounts. How??? The so called charged off accounts of the that XXXX claims is the Origional creditor is nowhere on any credit file .... Not Equifax, Not XXXX, not XXXX. Tell me, how can a company collect on a non exsistant account??? Equifax not only falsely verified these accounts, but refused to disclose how and any documentation that was used to verify these accounts. XXXX sent me a 4 year old statement dating back to 2015. How is this validation???
Complaint sub-issue: Account information incorrect

I disputed a credit line with Equifax regarding an incorrect account balance. " XXXX XXXX - XXXX XXXX  '' showed an outdated balance of {$1300.00}. After the investigation, the account updated to the correct balance of {$120.00}. The account no longer figures into my aggregate revolving credit balance nor the aggregate credit utilization for FICO scores. Specifically, despite having a {$120.00} balance against {$19000.00} aggregate limit, my aggregate balance is XXXX  and my credit utilization is XXXX. I should see {$120.00} aggregate balance and 1 % aggregate credit utilization. Its as if the account is being ignored.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have had multiple accounts from the same company, Upgrade Inc, opened under my name.
Complaint sub-issue: Information belongs to someone else

I received written correspondence from AvanteUSA that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.
Complaint sub-issue: Information belongs to someone else

I'm writing to request that the items shown in my credit report be removed from my profile. These requests for information were not authorized by me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20
Complaint sub-issue: Need information about your loan balance or loan terms

I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.
Complaint sub-issue: Account information incorrect

On my XXXX  report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my XXXX, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and Equifax are reporting the correct information as being closed XXXX balance. XXXX  hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

Equifax is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. Equifax needs to update my report ASAP!!
Complaint sub-issue: Reporting company used your report improperly

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681 EQUIFAX IF GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ACCOUNT NAME : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 I disputed an inaccurate Public record with EQUIFAX the account which is US Bankruptcy Court.  EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification. This is my right to see and look over and see who verified the Public Record with the credit bureau and the court. I am hereby exercising my rights under the FCRA 611 ( a ) ( 7 ). To request a complete description of all methods used to investigate my aforementioned dispute. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that EQUIFAX completed their investigation with the Public Record US Bankruptcy. They failed to send me what I requested how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification. EQUIFAX have violated my rights and need to remove the Public Record from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right ; they failed to send the proof that I am entitled to ... delete the public record from my file. I have all rights to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Equifax received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are now asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I have enclosed copies of my recent updated Credit report from Equifax dated XX/XX/2018 which shows they have completed the dispute on the US Bankruptcy. Equifax delete the inaccurate information my next step is filing a suit for the willful non-compliance. EQUIFAX WAS GIVEN TIME TO SEND MY METHOD OF VERFICATION AND REFUSED TO SEND,,, AGAINST THE LAW AND VIOLATION OF THE FCRA,
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022, Hunt & Henriques LLP, a debt collector, sent me a letter attempting to collect an alleged debt they alleged I owed to XXXX XXXX XXXX. ( ATTACHMENT A ) On XX/XX/2022, Hunt & Henriques received my request for debt validation via certified mail ( ATTACHMENT B ). My response included a notarized AFFIDAVIT OF TRUTH ( ATTACHMENT C ) where I asked Hunt & Henriques ( debt collector ) to validate and verify the alleged debt according to my rights as a consumer. I also served them a notarized Cease or Desiste Notice ( ATTACHMENT D ) to inform them to stop all communications or attempts to collect his debt ( which I was in fact disputing ) until they have fulfilled my request for debt validation and verification. I also requested that they provided answers, point by point, to the affidavit I provided them with. This is so I can ascertain that this is in fact a debt I owed. 

On XX/XX/2022, Hunt & Henriques LLP sent me a notice ( ATTACHMENT E ) that did not comply with my lawful request for debt validation, verification and did not answer or rebutted any of the additional information I requested in the AFFIDAVIT I sent them on XX/XX/XXXX. Their response only included a COPY of a bank statement, and did not properly verify and validate the alleged debt. Fact, I, the affiant, am aware that an unrebutted affidavit stands as truth in commerce. 

On XX/XX/2022, Hunt & Henriques LLP, sent me a notice ( ATTACHMENT F ) threatening to start legal action against me for the alleged debt they FAILED TO VALIDATE and VERIFY despite the fact that I have, in fact, disputed such alleged debt. 

According to the CFPB, a debt collector must stop any attempts to collect debt until they have properly verified the alleged debt. This is not only an infringement of my rights as a consumer, but also a violation of the Cease and Desist notice they received via certified mail on XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX  and Equifax  of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 my house closed. One of the provisions was to pay off certain notes with various lending institutions. One was a credit card at U. S. Bank XXXX. Unfortunately the title company gave U.S. Bank information on a loan rather than the credit card as directed by a Court Order ( XXXX County NO XXXX, XXXX ) thus creating an error. 
U. S. Bank has been requested numerous times to reverse their action and pay off the credit card with the loan amount and reinstitute the loan, however they refuse! It has been almost 4  months ; their actions have blocked me from obtaining a place to live. Created a negative impact on my treating XXXX XXXX by not having steady place to live, create a routine so I am able to neither cook a special diet nor maintain a healthy living environment. They instead of paying it off per court order have sent it to collection and adversely affected my credit. 
I had planned to move my Tax office to my new home however the office stuff gathers dust in a storage unit and I try to maintain contact thru the internet. I have no office! 
As a XXXX Veteran with XXXX  XXXX wanting to spend what is left of his life in peace and tranquility I have ended up living out of the back of my van, motels and an apartment while my personal & business items are in three storage lockers. 
I have no king size bed but instead a recliner. 
All this because U.S. Bank refuses to correct an accounting error and just ignores it hoping as a XXXX Veteran with XXXX   XXXX  just dies and goes away.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We recently discovered two FRAUDULENT charges on our account. 

XXXX billed {$69.00} on XX/XX/XXXX and again on XX/XX/XXXX for an account that was never purchased. 

NEITHER CHARGE WAS AUTHORIZED. 

To date, CITI has refused to file dispute claims against either FRAUDULENT charge.
Complaint sub-issue: Information belongs to someone else

I HAVE NEVER WENT TO XXXX XXXX XXXX. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is a fraudulent account XXXX/XXXX is reporting fraudulent charges.
XXXX XXXX is a fraudulent account.
XXXX XXXX  is a fraudulent account.
Complaint sub-issue: Don't want a card provided by your employer or the government

I would like to setup repayment arrangements for the balance owed on credit card.
Complaint sub-issue: Their investigation did not fix an error on your report

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax, or XXXX does not have any files to verify these accounts, nor will they delete it.
Complaint sub-issue: Information is incorrect

We have incorrect information being reported to the insurance companies by LexisNexis. 

This has caused a denial of coverage and an increase of over 300 $ per month in our current insurance premiums. 

It was reported that my husband was at fault for an auto accident that took place in XXXX of XXXX. This information is INCORRECT!! 

My husband was rear ended by a company vehicle. The other driver was at fault. 

The report also lists that he was involved in 2 at fault accidents on the SAME day, in XX/XX/XXXX, this is incorrect! He shut the garage door on the trunk of the car and we filed a claim to fix the dent. There was no accident, it was a comprehensive claim only for damage caused by the garage door. 

I included a copy of the insurance denials and the reason, and also a copy of the claim paperwork from the insurance company that shows the at fault party being the other driver.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX Inquiry : XXXX. XXXX 2020 XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX, 2020 XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Hello and thank you. 
I made extra payments on my student loans for 2019. I called numerous times to have the excess payments applied to principle. I received my annual 1098-E to submit with my taxes and was told I paid {$12000.00} in interest last year. I emailed them more than once to correct the errors. I've called almost daily during my lunch breaks and have held for over 45 minutes without anybody ever picking up. Can you help me?