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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA Section 605B ( 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 4 business days after the date of receipt.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX this complainant contacted the collection department for the check cashing store and spoke with the its collection department. I told the Collection department that a collection debt appeared on my credit reports for an unpaid loan. At that time they confirmed that I had paid all previous loans and that no loans or instalment loans were due or owed a that time. They concluded by stating that they were removing my number from being forwarded to their department. 

Vance & Hoffman LLC have caused damage to my credit report woith this erroneous debt, failed to provide any communication about the existence of the debt, which indicates that the failure to validate with proper notice about the alleged deb tin a timely manner prior to reporting the debt. By self admission, th failed to notify this complainant ; law office failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.
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 :
Complaint sub-issue: Account status incorrect

On XX/XX/2021 I requested a payoff for my mortgage, with XXXXXXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

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

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020
Complaint sub-issue: Personal information incorrect

I have sent over several police reports with Equifax and XXXX. I have also showed them my correct name. They have several fraudulent accounts with different names along with my correct name. Which is causing me to have several unknown accounts under me.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}
Complaint sub-issue: Reporting company used your report improperly

My complaint is that Equifax was reportedly aware of the breach well in advance of when they notified the public. Additionally, I do not believe Equifax took all the available and necessary steps to protect such sensitive information for myself and millions of others. Their reckless handling of myself and others ' sensitive information, along with reportedly not informing the public immediately, puts all of us at great risk of identity theft that may have been avoided had various other actions be implemented in advance by Equifax.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to Equifax I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.
Complaint sub-issue: Debt is not yours

A collection organization contacted me and asked if I was the XXXX XXXX residing at a 15 year old address for a medical debt at a hospital I have never been to for a person I do n't know. I informed them it was not me. I had not been contacted prior and now I see it on two of my reports.
Complaint sub-issue: Information belongs to someone else

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX Balance : {$49.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$3000.00}, XXXX  XXXX Balance : {$13000.00}
Complaint sub-issue: Reporting company used your report improperly

Yes Equifax has beening sharing my information with ut my consent and they also is reporting information on my credit report that dont supposed to be reporting. 
These are the laws they have violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

Furthermore, my address, employment data, name and credit history were compromised during the breach that acquired back in 2017. I am demanding that all the accounts that are listed be remove from my credit report per the FCRA, Privacy Act and the Gramm-Leach-Bliley Act that protects Consumer Rights and the information.
Complaint sub-issue: Their investigation did not fix an error on your report

On my Equifax report, it states an item is in dispute. I have been asking Equifax to remove the dispute for over a month. I am purchasing a home with a mortgage through my bank. The offer is contingent that in order to close on the house, that item has to be marked closed, paid in full.   The item has been paid in full for quite a while now  ( from   XXXX   XXXX   ),   with showing a   XXXX    balance, but still shows that it is in dispute. There is nothing to dispute, being that I paid the collection in full back in   XXXX   of this year.   Everytime I call Equifax, they tell me that they will take care of it. I received an email today with my Equifax report, shows that the item is still in dispute, after they ensured me it will be marked paid in full.   If this is not corrected, I will lose the deal on the home. I have paid for my appraisal and home inspection as well as {$5000.00} is earnest money. I fear that I will lose out on all of that if this is not taken care of before closing.
Complaint sub-issue: Debt is not yours

First, I never received any correspondence from AFNI , Inc., XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX   XXXX.XX/XX/XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX  XXXX. XX/XX/XXXX). 
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. 
See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of EdXXXX : # XXXX, Dept of Ed/XXXX   : # XXXX, Dept of EdXXXX : # XXXX, Dept of EdXXXX  : # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided have 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer agency 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 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

XXXXXXXX XXXX mailed prescriptions which I did not request. When I received I called them and the representative confirmed I did not order. I asked if they wanted the items returned- they said no to keep them but I would not be charged. Now they sent the same issue to collections and reported to credit bureaus.
Complaint sub-issue: Not given enough info to verify debt

I received a call at work today from XXXX who said he was with XXXX. Refused to provide any information other than he had been trying to deliver documents to my address from HC. When pressed for information I was transferred to someone else who refused to provide the name of the company he worked for or contact information and told me if I did n't set up a payment plan with him then " good luck to me ''. I requested verification of any debt owed and was told it had been sent previously and would not be sent again. I never received anything from this company for any supposed debt owed. Since that time this morning, they have contacted XXXX co-workers, my son, my sister-in-law and nephew ( both of which live XXXX miles away ) and who I have never given any information on to anyone. I was told these are legal documents to be delivered and if I was n't home today to receive them they would be showing up at my place of employment. Again, they refused to provide any information or verification of any debt they claim I owe.
Complaint sub-issue: Account information incorrect

I called Equifax just now to dispute 1 of 2 hard inquiries on my report 14 days apart from the same company. I first talked to the company to ask them about the 2nds inquiry and they stated they were allowed to run a report as many times as they needed to within 45 days and it will only count as on inquiry as per the Consumer Financial Protection Bureau. They directed me to the website and the statement. So I called Equifax to make the correction, but they refused to make the correction. I directed them to consumerfinance.gov and explained the statement on their and they continued to refuse the remove the 2nd inquiry. I need help clearing this up. Spoke with a Supervisor names XXXX who said her employee number is XXXX. 

I made the same call to XXXX and they recognized the problem as assured me they would remove the extra inquiry within 24hrs.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank Case No. XXXX On XX/XX/2019, XXXX XXXX at Washington DC-XXXX  MD ( Merchant ), overcharged my stay for {$320.00}. The merchant realized the  mistake and credited that amount to my credit card ( Citibank ).  However, when I received my credit card statement, there was no credit of {$320.00} on the statement. I called the merchant and they confirmed to me that {$320.00} had been approved and released to my credit card. The merchant had sent me proved ( folio ) that the credit had been released. 

I spoke with and sent all the requested documents to the dispute department at Citibank between XX/XX/2019 and XX/XX/2019. During this period, each time when I called to follow up with Citibank, they denied the charges and kept pushing back. Even with all the proved and necessary documents showing XXXX XXXX XXXX had issued credit to my credit card, Citibank still denied to issue credit of {$320.00} to my account. I sincerely hope you can help resolve this issue expediently. Thank you for your corporation.
Complaint sub-issue: Debt is not yours

This company is called CKS financial XXXX XXXX  XXXX. Reference number is XXXX. They say I have an account XXXX XXXX NA unpaid for the amount of {$910.00}. I have neber opened any bank account or credit line with XXXX XXXX  ever. Its not even on my credit report. They call repeatedly and never leave a message from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Problem lowering your monthly payments

XXXX XXXX XXXXXXXX XXXX ( which no longer exists ) has 4 outstanding loan of mine from the University at XXXX and the consistently refuse to lower the payments, work out any type of income-based repayment schedule or defer the loans in any way shape or form. It's almost criminal they way the operate and the only reason they did not sell off these loans was due to the fact that I had my father co-sign on them many years ago.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX i received alert from XXXX that equifax added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but Equifax all XXXX XXXX to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and equifax before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that Equifax say they go by policy and procedures but when does it apply when its finacial benfincial to the company and equifax are for the consumer, equifax does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the XXXX XXXX and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but equifax allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax does not provide a proper investigation to resolve disputed accounts. There was never any resolution after several investigations when there were several items removed from XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.