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

I'm a victim of Identity theft my information was found on the dark web, Equifax data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have accumulate points which I wanted to redeem ; the amount was the equivalent of {$100.00} (   XXXX   XXXX   dollars ) towards deposit to one of my accounts or an equivalent of {$50.00} towards a restaurant or gift card from   XXXX  . I was promised it would take less than a week. The first telephone contact was on or about   XXXX   XXXX  , 2017 ; I was told to call on   XXXX   XXXX   to confirm ; I called, I was told to call back on   XXXX   XXXX  , 2017. I have been calling, I am being promised but NOTHING IS HAPPENING, I BELIEVE I AM BEING LIED TO.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. 

At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. 

Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.
Complaint sub-issue: Was not notified of investigation status or results

I sent two letters so far regarding accounts that were misleading and false reported on my credit report, which is a violation of FDCPA section 807. I still have not received any response from the bureau regarding this account. I also sent letters regarding unauthorized and old ( more than 2 years ) inquiries on my credit report. This is affecting my ability to obtain credit and move into a new home.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX sent a paid off car loan to Jefferson Capital Systems. Despite previous attempts to resolve this issue, neither party has been able to correct this problem. The false debt has been reported since XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX XX/XX/XXXX {$620.00} XXXX  XXXX XX/XX/XXXX {$1800.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company XXXX XXXX XXXX XXXX XXXX XXXX reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/XXXX I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score 155 points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
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 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Account information incorrect

I have disputed 3 accounts that are currently being listed by Debt CO XXXX. I have disputed the accuracy of the information both with Debt CO XXXX, XXXX and XXXX. I have disputed the accuracy of the accounts as they report an account open date of XX/XX/XXXX. When in reality the accounts were opened on in XX/XX/XXXX. After the initial dispute, XXXX stated that the information being reported to them was accurate. When I spoke with the original creditor ( XXXX XXXX XXXX ) they stated the account was opened on XX/XX/XXXX. When I asked for files pertaining to the account they stated they did not have them as they were forwarded to debt collections company ( Debt CO XXXX  ). I contacted Debt CO XXXX  to get the information on the debt ( validation of debt ) and they stated they would have to submit to submit my request for information to see whether or not I could get that information. The agent then stated if I wanted to go ahead and pay the full amount, they could do a pay for deletion. I asked for the documents validating the debt and I was informed again that they were submitting to see if my request would be approved. I asked how long it would take and they stated it could take anywhere from days to weeks.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX, the credit reporting agency Equifax announced that it had experienced a major security breach that led to the compromise of nearly XXXX XXXX XXXX consumers very sensitive personal information. The breach according to Equifax went on unnoticed from mid-May XXXX through XXXX XXXX. The information included consumer 's names, birth dates, social security numbers, and more. This information is all that a person who wishes to commit identity fraud would need to succeed. This loss of information, and furthermore the mere fact that this breach occurred, is unacceptable. 

As if a breach was n't bad enough, Equifax 's attempt to assuage all of its customers, which is every single XXXX, was lack luster. The website that they set up to check to see if a person was affected, https : XXXX, seemingly does not return a meaningful result ( https : XXXX ). This is extremely concerning, given that when I personally used this website, it claimed that I was affected. If I can not trust the result of this website to determine if I have been affected or not, what is my alternative? Equifax has failed to provide any clarification on this, so I remain unsure if I have been affected or not. In addition, it has been demonstrated that the website was erected in such a short time, that it was poorly secured itself XXXX https : XXXX ). This website asks for XXXX digits of your social security number to verify impact, which if the website being used to check impact is insecure itself, the risk of other people losing their financial security becomes almost guaranteed. 

I can not help but feel totally helpless in this situation, where my financial security, and many other XXXX consumers financial security, is unknown. 

Other references : https : XXXX https : XXXX? outputType=default-article & deferJs=true
Complaint sub-issue: Account information incorrect

I have an outstanding balance on a car loan with XXXX XXXX, according to my Equifax credit report. Sadly, I was involved in a car accident, the car was a total loss, and the debt was fully paid/settled. As a result of the inaccurate information Equifax reported, I am unable to replace the automobile. Which makes matter worse especially for anyone trying to purchase a vehicle during these times ( shortages, dealer price gouging, increased rates, etc. ) XXXX has also validated this information and stated that no error was made on their end, and that all credit reporting agencies have been informed that the loan was paid in full. 

My credit report has been updated by XXXX and XXXX with this information as of XX/XX/2022. Equifax has not provided any recent information for some reason. I've tried to contact XXXX, but so far without success. XXXX, who I spoke with when I called Equifax today ( XXXX ), informed me that their information is accurate. 

As stated above, this loan has been fully paid. This auto loan has been completely repaid, and the account has been closed, according to the XXXX and XXXX report from XX/XX/XXXX. When I called XXXX XXXX XXXX XXXX XXXX XXXX, I was informed that the loan had been fully repaid and that all credit reporting agencies had been notified. 

Thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX is a charged off account back in 2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.
Complaint sub-issue: Problem with customer service

Citicards website is broken and does not display properly my account and all the important details, not allowing me to track the charges. Phone and online customer service does not work. In branch services do not work. As such, I am unable to decide which charges are legitimate and which are fraudulent - as I do not have access to my online account at all. Tried three different browsers, a phone - same results. Phone service auto hangs up.
Complaint sub-issue: Keep getting calls about my loan

Discover bank is trying to obtain my phone number for illegal purposes. I have a private student loan from Discover. In XX/XX/XXXX I had some issues with them harassing me and my family via phone. As this time I requested that Discover not call me anymore. This do not call was violated a few times over the past 5 years, but more or less was abided by. On XX/XX/XXXX I attempted to log on to my online account, but I could not without entering a phone number and clicking on a button to accept calls and communications from Discover. I called discover and asked to speak with a supervisor. They told me they would investigate. On XX/XX/XXXX I attempted to log on and pay my bill. I was still being required to enter my phone number. I called to follow up and spoke with XXXX ( Refused to Provide Last Name ), A supervisor in the Student Loan Department. She reviewed the file and told me there was nothing she could do. I asked to be transferred to someone who could help. She refused. I asked to be transferred to the Executive Office. She refused. I asked for the phone number for the Executive Office. She lied and said there was not a phone number. I explained to her that I know that is not correct. She then back-peddled and explained she would have to look into it.
Complaint sub-issue: Frequent or repeated calls

They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX  the number and says it discover card about a outstanding balance ... 
Very embarrased to say the least.. could not even do my job, so nervous
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights XXXX 

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: Investigation took more than 30 days

I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA law 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 in a fraudulent account. '' Equifax Credit Information Services , Inc. has also violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. None of the debts listed are accurate. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

Copies of correspondence between myself and Equifax, and certified mail time stamps are attached to this complaint.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, via my " XXXX '' security company, I took a look at my Credit Bureau Accounts. I noticed that " XXXX '' is listed on my Credit Bureau reports. I have not ever contacted this company to request credit. The documentation states that the account was opened on XX/XX/XXXX and has a credit limit of {$2000.00}. I suspect that this is an attempt at identity theft or fraud. How can I get this information removed from my records provided by the 3 major Credit Bureaus? 

I looked online and discovered two possibilities, which may be of assistance to you. They are as follows : CBNA -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( or ) XXXX XXXX  XXXX, XXXX XXXX, SD XXXX AND XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Phone Number ( XXXX ) XXXX ; FAX Number ( XXXX ) XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax I was looking at my credit report and found this account still reporting on my credit report please remove it
Complaint sub-issue: Information belongs to someone else

There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX  SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.
Complaint sub-issue: Other problem getting your report or credit score

I received an email from Equifax telling my dispute has been completed and to follow the link in the provided email to view the results. With my confirmation number I click on the provided link and fill in my personal information and click check status. I am than greeted with an error message from Equifax stating the information I provided doesnt match their records. I am able to successfully login to my account and view my credit report, but unable to view my dispute results with my correct personal information. I do not understand why I can not get my dispute results. I have tried getting through to Equifax unsuccessfully via phone. Ive had problems with Equifax since XX/XX/2018 when I tried to get a free copy of my report, each time I was told either my information didnt match what they had on file or my process to receive my report online couldnt be completed and i needed to request my report by mail. Since than I filed a complaint with my states Attorny General and miraculously after complaining I was able to get my free report online for the first time with no problem. I was told I could view my free report for 30 days, every time I try logging in I have to reset my passcode just to be able to login again. Equifax does not remember the password I set. This happens every time I login to Equifax and quite frankly Im fed up with dealing with Equifax.
Complaint sub-issue: Problem getting report or credit score

It has been two years and equifax does not allow me to pull my credit report. They told me that it is in the Dept of consumer affairs indefinitely. It has ruined my life. I can not shop for a mortgage or car or anything. And it is very difficult. They allow a thirty minute window for someone to pull it and then that window is closed. 
Please tell them to release my file. Thank you
Complaint sub-issue: Account information incorrect

My complaint is with Equifax Credit Bureau.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.