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

Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ EMPLOYER : XXXX XXXX XXXX Inquiries : XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXXXXXX  XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX  Date of Inquiry:XXXXXXXX  XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX  Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXXXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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: Didn't receive enough information to verify debt

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax by certified mail on XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct name with this complaint. I was a victim of the security breach at Equifax during XXXX, every since that time I have received inquiries, and letters to my home in the name XXXX XXXX XXXX. Equifax had the name listed on my credit report. I have never gone by or been known as XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Equifax to have the name removed, but instead Equifax deleted my real name XXXX XXXX XXXX XXXX completely from my Credit report and replaced it with XXXX XXXX XXXX XXXX despite having 3 separate documents with my real name provided to them.
Complaint sub-issue: Old information reappears or never goes away

I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked XXXX to place personal fraud statements on the account or send them to other credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX  letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report
Complaint sub-issue: Old information reappears or never goes away

On XXXX XXXX,2017 I called into Equifax to dispute a collection that I have disputed multiple times because the account has not been verified as mines. I spoke to representative XXXX and let her know I tried to file a dispute online but its saying the information I provided was inaccurate. She then stated to me because I have dispute the account multiple times there is nothing she can do. I told her I have proof that XXXX and XXXX has deleted the collection account and she stated it didnt matter. I let her know I just wanted them to follow suit and at least look into my proof and ultimately get the collection account deleted. She stated she couldnt do. Equifax customer service is horrible and I would that because they are going through a lawsuit that they could at least look into what Im asking but I dont think they care. If Equifax does not follow suit and remove the collection account I will go to the next step of filing a complaint with the BBB or ultimately file a lawsuit.
Complaint sub-issue: Reporting company used your report improperly

________________________________________ XXXX EQUIFAX/ XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ...

THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contact Equifax and each company by certified letter requesting to remove the unauthorized inquiries on my report. I have received over 10 return to sender letters back as the address provided on my report are not to be found. I have also contacted Equifax customer service over seven times, spoken to supervisor and did get one representative that was willing to help remove the inquiries however the call dropped and each representative after that call refused to complete the deletion process. There are several unauthorized inquiries on my report primarily for auto-loans where a I had already a brad new car I purchased less than a year prior to the inquiries. I sent letters requesting supporting info from each creditor of my information, signature and proof of authorization which none of them provided but sent a letter stating the hard inquiry was factual and requested by these companies ; however they failed to provide proof to show that they were " factual. I am requesting that all unauthorized inquires be removed immediately or my next step will be to move forward with legal action. The inquiries are as followed : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2-XXXX XXXX XXXX XXXX XX/XX/XXXX 3-XXXX XXXX XXXX XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XXXX XX/XX/XXXX 9-XXXX  XXXX XX/XX/XXXX 10-XXXX XXXX XX/XX/XXXX 11-XXXX XXXXl XX/XX/XXXX 12-XXXX XXXX  XXXX XX/XX/XXXX 13-XXXX- XX/XX/XXXX 14-XXXX XXXX XX/XX/XXXX 15-XXXX XXXX  XX/XX/XXXX 16-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 17-XXXX XXXX XX/XX/XXXX 18-XXXX XXXX  XX/XX/XXXX 19-XXXX XXXX XX/XX/XXXX 20-XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.
Complaint sub-issue: Account status incorrect

There are many mistakes appear in my report without my understanding.
Complaint sub-issue: Report provided to employer without your written authorization

I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Checkr, its United States affiliates ( collectively, Checkr, we, us, our ) are not authorized to collect, use and share personal data about me without prior written and direct instructions from consumer. 
I recently received a notification checker sold an employer a copy of my consumer report without my written authorization XXXX XXXX, I also reviewed my consumer disclosure & consumer files and noticed Checkr reporting my non-public information. 
Checkr is not authorized to collect, use, and share public records information relating to consumer. 
Checkr has 15 days to permanently delete and remove the following records from my consumer background report, consumer disclosure and credit file upon receipt of this notice. 
Checkr must provide free copies of my consumer report, consumer disclosure and credit file showing the public records information has been deleted and removed. 
Checkr is only authorized to collect, use and share information with the prior consent and written instructions from consumer. 
Any authorized use of consumers personal data will not be tolerated. 
By sending you this notice consumer does not waive any rights to take action against Checkr for any past or future violations of the law. 
Sincerely, XXXX : XXXX All Inalienable rights reserved.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Complaint sub-issue: Debt was paid

I have had a so called debt with XXXX XXXX for over two years now. I returned their equipment, which they can't seem to locate. 
I then asked XXXX for a itemized bill showing what I owe them. After repeated calls a lot of wasted time they never provided me a detailed itemized bill. I am sure the company has a record of the many calls into them to resolve this issue. I gave up on resolving this issue, but I refuse to pay for something I don't owe. 
Now, the " so-called '' debt has been added to my credit report by a collection agency ( ERC ) ERC sent me a letter after I submitted a dispute to the Credit reporting agencies. Basically, ERC is telling me they can not find any evidence or specific facts to support my dispute. Which of course they ( ERC ) wouldn't since XXXX can't even provide me with any facts to support their claim. I am sick and tired of dealing with this and it's becoming a form of harassment. Please help. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609
Complaint sub-issue: Account terms

I am in the process of applying for a Mortgage loan. In Early XXXX, I noticed that the wrong Balance/Credit Limit was being reported on XXXX of my account. I called the Live Help Line of Equifax and the CSR asked me to tell her the correct information. However I just requested my Credit report today ( XXXX/XXXX/15 ) and the only information which have been updated is the Credit Limit. Almost 1 year of my payment history is not updated. Upon further review, I noticed that all my account listed on Equifax are missing my actual credit limits/payment history/balances.
Complaint sub-issue: Information belongs to someone else

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under XXXX by the XXXX  of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019, I called Citibank Customer Service and disputed a charge on my Mastercard account in the amount of {$840.00} dated XX/XX/2019. Advised them that the charge was not authorized by me and payment was not owed to the CC Merchant. 
I did not receive a written acknowledgment from Citibank and called them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received the first notice/letter from Citibank by e-mail, wrongfully asking for 'proof of payment ' for the purchase though other means. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), with copies of my e-mail correspondence with the CC Merchant disputing the charge. Citibank gave me a temporary credit of {$100.00} on XX/XX/XXXX, which they told me was a mistake, with two contradictory explanations. On XX/XX/XXXX Citibank gave me a temporary credit of {$840.00} and reversed the temporary credit of {$100.00}. On XX/XX/XXXX, Citibank debited my Mastercard account, with the amount of {$840.00} plus interest, for the reverse of the temporary credit given on XX/XX/XXXX. On XX/XX/XXXX, I received a notice/letter from Citibank dated XX/XX/XXXX, stating : - " due to the amount of time that has passed since this charge was first billed to your account, we no longer have any recourse to obtain a credit on your behalf ''. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), describing the events surrounding the dispute and demanding a permanent credit of {$840.00} plus interest. 
Citibank was negligent in handling my Mastercard dispute and I request the assistance of CFPB to obtain this credit.
Complaint sub-issue: Problem during payment process

Fell behind on payments due to wife 's family illnesses. Called bank to work to get back on track and arranged a payment schedule to catch up. Made the payments and actually paid {$5000.00} which was {$4000.00} more than I was behind. I was never told by bank representative that the card would forever be closed when sorting out a payment schedule. In fact, I believe the representative stated that once I get back on schedule and card is out of collections I should call and ask to have the APR reduced to the prior APR.
Complaint sub-issue: Other problem getting your report or credit score

I want to monitor my credit and repair it upon finding any inaccuracies. But Equifax is not allowing me to sign up for their services. And they want me to acknowledge debts via my credit reports by asking multiple times did have any credit cards, mortgages, auto etc. Those may well be some debts on there but I don't know what's on there.
Complaint sub-issue: Debt is not yours

I have reached out to JCAP Funding and requesting information in which I have yet to receive a response. JCAP Funding is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act, XXXX  AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

Account : XXXX XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account : XXXXXXXX XXXX  Account Number : XXXX XXXX It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.
Complaint sub-issue: Information belongs to someone else

These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXX XXXXXXXX Never late XXXX XXXX bank XXXX Never Late XXXX XXXX XXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXXXXXX Account never late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act, XXXX XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Complaint sub-issue: Public record information inaccurate

I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action. 


Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX