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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX  after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
Complaint sub-issue: Attempted to collect wrong amount

The XXXX XXXX XXXX  have alleged that I owe {$550.00} for a full repaint job to the unit. However there was no need for a total repaint. In the lease agreement it states normal wear and tear excepted Which there was nothing more than that, normal wear and tear on some of the walls. I can assure you that these marks were able to have been wiped off rather than repainting the entire apartment. When the initial move out walk through was conducted I was sent no pictures of the walls, yet I was still being charged the {$550.00} for repainting. XXXX did not send me pictures until I had emailed a complaint about it. The pictures I received only showed a few marks on the walls and some left over clear tape, that once again, could have easily been removed from the wall. Even with the pictures these said marks are difficult to even make out. I have previously sent this statement to XXXX XXXX creditor agency, Hunter Warfield. I was never inclined back on my dispute. I contacted the agency once again after two and a half weeks of not hearing anything back, they finally told me that my dispute was denied and this was going to hit my credit today. They said they contacted me on XX/XX/XXXX but, I have yet to receive anything back from them. I have not received any calls or emails from Hunter Warfield since XX/XX/XXXX, when the initial email was sent out informing me of said debt.
Complaint sub-issue: Banking errors

I recently discovered multiple fraudulent, unauthorized charges on my Ally Bank checking account. I disputed all of the charges in question on XX/XX/2022, soon as I discovered them. It's been over XXXX business days since I filed the dispute and Ally Bank has yet to provide provisional credit or provide a written statement. This puts Ally Bank out of compliance with Regulation E. 

I also haven't been able to access my account, Ally says I have to wait unti their investigation is over. I have verified my account, set up a new username and password, and security questions with an Ally agent over the phone. But they keep saying I can't access my account until the investigation is complete.
Complaint sub-issue: Account status incorrect

i ahve 4 previuos employer listings that are wrong and need to be deleted and 2 prviuos addresses that are not mine and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that is not correct
Complaint sub-issue: Account information incorrect

Macy 's Department Store Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted.

Please advise.
Complaint sub-issue: Their investigation did not fix an error on your report

RE : Account with XXXX XXXX XXXX XXXXisted on my credit report. 
Equifax maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX XXXX XXXX XXXX XXXX have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Equifax has provided rebuttal. If Equifax maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Equifax to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.
Complaint sub-issue: Account status

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Complaint sub-issue: Other problem

I have filed a previous complaint. The company 's response was a joke. It ignored specifics to the complaint. I also must add my great disappointment with cfpb.
Complaint sub-issue: Other problem

So now not only I had {$1300.00} that was promised to me for 3 weeks ( combined amounts of {$680.00} and {$610.00} from XX/XX/XXXX and XXXX ) that was cancelled out at the last possible minute and only days before XXXX no less, but on XX/XX/XXXX an agent determined I was owed {$1100.00} in credits from returns I had made to merchants, permanent credits, and disputes found in my favor. She put in a request for a balance refund check in that amount and it was CANCELLED. This phone call was monitored and recorded on XX/XX/XXXX at XXXX. I will now be suing Discover for {$2400.00}. A response from the company will not be necessary.
Complaint sub-issue: Problem getting my free annual report

I could not get my report online from Equifax and XXXX
Complaint sub-issue: Information belongs to someone else

( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a. I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 it also states a consumer reporting angency can not furnish without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting angency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections states no consumer reporting angency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Account status incorrect

The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXXXXXX XXXX XXXX never late
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX Item 2 : I do not live at ; XXXX XXXX XXXX XXXX, XXXX  XXXX I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please correct the information that is on my report because it is incorrect. 

Item 3 : XXXX  XXXX The amount of the debt is incorrect. 

Item 4 : XXXX XXXXThis information is not correct. The amount is not correct. 

Item 5 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 6 : XXXX XXXX XXXXThis information is not correct. 

Item 7 : XXXX XXXX XXXX -- - The amount of the debt is incorrect. 

Item 8 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 9 : XXXX XXXX is not my account. It is incorrect. 

Item 10 : XXXX XXXX XXXXThis is not my account. It is incorrect. 

Item 13 : XXXX  XXXX XXXX I did not authorize or open any new accounts. 

Item 14 : XXXX XXXX XXXX did not authorize or open any new accounts. 

Item 15 : XXXX XXXX did not authorize or open any new accounts. 

Item 16 : XXXX XXXX XXXX not authorize or open any new accounts. 

Item 17 : XXXX XXXX XXXX I did not authorize or open any new accounts. 

Item 18 : XXXX XXXX I did not authorize or open any new accounts. 

Item 20 : XXXX XXXX XXXX- I did not authorize or open any new accounts. 

Item 21 : XXXX XXXX This is not my account. It is incorrect. 

Item 22 : XXXX  XXXX I did not authorize or open any new accounts. 

Item 23 : XXXX I did not authorize or open any new accounts. 

Item 24 : XXXXI did not authorize or open any new account with this vendor. 

Item 25 : XXXX XXXXI did not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.
Complaint sub-issue: Information belongs to someone else

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor. 
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX  XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following 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. Im trying to get a new car and these items wont get me approved. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DEPT OF EDUCATION/NELN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and DEPT OF EDUCATION/NELN with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Account information incorrect

First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXX XXXX  and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..
Complaint sub-issue: Problem with fees

I am currently being charged late fees each month although I paid my balance XX/XX/2020. This is negatively affecting my credit. I made my balance off XX/XX/2020 and was charged a late fee. I requested to have the fee waived but was denied. The company has been charging me late fees every month and reporting negatively to my credit report every month. I would like for the fees to be removed and my credit updated. This would be the best consumer focused approach.
Complaint sub-issue: Investigation took more than 30 days

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX*** Please ensure that all information is accurate 3.The following account is not mine XXXX XXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 

4.The folowing account is not mine XXXX Account NumberXXXX Please remove it from my credit report.
Complaint sub-issue: Account status

Equifax continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents
Complaint sub-issue: Account status

This is with reference to XXXX XXXX & XXXX. My wife and I bought a XXXX XXXX from the XXXX. We took delivery following the accident that we were in back in XXXX when we were hit by XXXX XXXX in the XXXX XXXX XXXX accident. Per the Maine XXXX XXXX, Source XXXX and all Credit agencies to remove ALL negative credit reporting pursuant to XXXX XXXX malfeasance. To date, this has not been done. The Credit bureaus were under the direction of the Maine XXXX to remove information and did not. They can not claim that they did not know or were unaware of the expectations that were placed on them. I want the, Credit Bureau to remove all reporting from both my wifes report as well as my own.
Complaint sub-issue: Account status incorrect

I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.
Complaint sub-issue: Trouble with how payments are being handled

On XXXX XXXX XXXX XXXX, I submitted my verification from the Veterans Benefits Administration stating that I was 100 % XXXX. 

I contacted Nelnet XXXX XX/XX/2022 and was sent via e-mail a Discharge Application : Total and Permanent XXXX form to complete and return with my verification. 

I returned both items on XXXX XX/XX/2022. I received a letter XXXX XX/XX/2022 stating The U. S. Department of Education had received my application and the review process could take up to 30 days. 

I also received another letter from Nelnet dated XXXX XX/XX/2022 thanking for my intent to apply for Total and Permanent XXXX although I'd submitted the application via e-mail on XXXX XX/XX/2022. The letter also stated the Loan Holders had been contacted and any collection activity was to be suspended for 120 days as of XXXX XX/XX/2022. My loans were in the Deferment at the time of application. 

I submitted another application via fax. I faxed the application to XXXX. 

On XXXX XX/XX/2022, I received a letter from Nelnet stating effective XXXX XX/XX/2022, the Department of Education approved my application for discharge of my federal Student Loan. My loan holders were instructed to discharge my loans. I did have to resubmit the VBA memo to verify the correct date the of the XXXX. 

The Department of Education loans were paid on XXXX XX/XX/2022 ; however, I had to contest the information listed on my credit report as it had not been updated. But the response received from XXXX and XXXX was the Nelnet loans were current. 

To date the loans under Nelnet Loan Services , Inc. ( XXXX ) has not been XXXX. I can't see any information when I log onto my account except for the payment for the Department of Education loan. I called Nelnet customer service XXXX XX/XX/2022, and the representative told me I was 26 days late on my payment which I was in deferment prior to submitting the application. I was transferred to a representative who me that the loan information had to be requested from Nelnet. I inquired as to why? They are Nelnet. 

I submitted XXXX XXXX XXXX XXXX XXXX XXXX complaint XXXX XX/XX/2022. Nelnet 's response was they have 150 days to address the application. I provided the XXXX with all correspondence from Nelnet.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX,XX/XX/2018, {$130.00}, {$150.00}