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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$850.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX$400.00}
Complaint sub-issue: Other problem getting your report or credit score

Hello, I have been disputing incorrect items on my credit report for months with Equifax. They have my birth date wrong in which i have sent them proff several times. Therefore nothing has been reported to my credit report. Which has affected my score tremendously Equifax has refused to respond to my complaint in this matter.
Complaint sub-issue: Account status incorrect

According to the GrammLeachBliley Act, dated on XX/XX/XXXX I, XXXX XXXX, Consumer am aware that The financial institution which is in fact ( XXXX XXXX XXXX XXXX XXXX XXXX ) is in noncompliance with the GrammLeachBliley Act, which in fact fines are up to {$100000.00} ( per violation ). It is evident that XXXX  XXXX is furnishing my private information to the Credit Reporting Agencies and did not comply with The GrammLeachBliley Act and provide me with the appropriate opt out notice according to The GrammLeachBliley Act for me ( XXXX XXXX ) the consumer to " Opt Out. XXXX  XXXX is in consistent noncompliance with all my complaints and this is my last warning. Im aware that XXXX  XXXX is furnishing my account as 60 days Late in XXXX, 90 days Late in XXXX, and 120 days Late in the month of XXXX and XXXX of XXXX to the Credit Reporting Agencies when in fact there is only 31 days in XXXX and 30 days in XXXX. Thats very deceptive of XXXX XXXX. Im also aware that a Finance Charge is a sum of ALL charges According to The Truth In Lending Act. I demand XXXX  XXXX to remove EVERY and ALL Late payments from my Consumer Report. I demand XXXX  XXXX to Remove the status Charge Off from my Consumer Report because that is in fact extortion to me reporting Charge off on my consumer report. If XXXX   XXXX continues to report Charge off on my consumer report you will be in violation of collection of Collection of credit by extortion means 18 U.S. Code 894 which in fact carry 20 years of imprisonment sentence which XXXX  XXXX will get. I gave you the warning. I will take all actions necessary. Now do what is right, and stop extorting Consumers. It is not right. I refuse to allow my rights to be violated. I will make sure You be held accountable if you decide to not comply with my demands and hold XXXX XXXX accountable of your extortion your doing to me. My credit is important to me and it is my reputation, and your ruining my financial reputation reporting Charge off and I will take all legal action to protect my reputation. Do you understand me XXXX XXXX? My credit is important to me. Now correct all your errors. Best regards
Complaint sub-issue: Was not notified of investigation status or results

There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.
Complaint sub-issue: Debt was paid

I moved to my new home in XX/XX/2018 and we had XXXX XXXX installed into our home. From day one, the equipment was not working because it was installed incorrectly since we have a smart home and the technician did not connect to the server properly. We called XXXX  and scheduled for a technician to come out 3 different times and they never showed up. After paying about 1.5 years for a service that we were never able to use from day one, and paying about XXXX dollars each and every month, we had them send a box to return the equipment. 

Recently I saw that a collection agency for XXXX XXXX reported on my credit report a collection for about XXXX dollars that was due which brought my credit down over 100 points, right at the time we are in the process of buying a home, and this killed us from being able to qualify for the loan now. 

I contacted XXXX last week and made a complaint and they said they would have someone from the back office look at this and try to fix the problem. I told them the equipment was returned and that I should not have to pay any extra charges for services that I never was able to enjoy. 

Well, today they told me that the equipment was credited and they would update it with the collection company but that XXXX is still outstanding for breaking a 2 year contract. I told them the equipment was never working and 3 times we had an appointment for someone to come out and they never showed up, so if anyone broke the contract, it was them, but yet I continued to pay for 1.5 years. 

This was reported to XXXX XXXX andXX/XX/XXXX. I filed a dispute with both and XXXX  took it off, but XX/XX/XXXX did not. 

I really need to have this off of my credit report as this company is charging for something they never installed properly, and now it is causing me not to get my dream home for their failure to property fix my issue. 

Please have this taken off of my XX/XX/XXXX credit report so that I can finally get my home. 

Thanks so much.
Complaint sub-issue: Information belongs to someone else

There is one account on my credit report that does not belong to me I have tried to get this taken care of with the bureaus as well as the furnisher this is not my account I need this off my credit ASAP. 

XXXX XXXX  XXXX. - Acct # XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to delete all my current information off of my credit report. This is ridiculous. This has been an ongoing problem. I sent them a dispute a while ago explaining this. And now on top of deleting current information. They also readded an old file that had been removed. A collection account from XXXX. This had been removed over 1 to 2 years ago. And the collection from XXXX was deleted by the company..please removed all of this errorenous information from my credit file. 
1. XXXX XXXX-correct 2. XXXX XXXX-correct informaiton needed to be added a back 1. XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a certified letter to XXXX and Equifax to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!
Complaint sub-issue: Account information incorrect

I confirm with XXXX XXXX  that my account is paid in Full and closed back on XX/XX/2022. It is showing closed on XXXX on my new credit report... .but it showing " Open '' in Equifax XXXX 

I need Equifax to show this account is already paid and closed. 

I spoke to XXXX XXXX  and they said, it is a problem with the credit reporting agency. 
I need to file a dispute to get my credit report corrected. As far as they know... they sent out to all 3 agencies that my account was paid in full and closed and a refund for overpayment.
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 any open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My phone numbers XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2021 -- We ordered 6 items from Best Buy using Citi Group Best Buy Credit Card that I applied for in the store. As soon as I left this transaction was cancelled by Best Buy. 
Most of the charged were removed but some of the amount of {$810.00} were still left on the card. 
We did not get any services nor goods from Best Buy. 
I opened a dispute with Credit Card company only to find out that they charged me interest charges, without even providing any dispute information, reasoning or anything. 
That " happened in the USA... Charge for literally nothing and Beastily attempt to extort money for no services nor good provided. 

The attempt of Best Buy City group to extort money is outrageous. No services, no goods...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud
Complaint sub-issue: Account information incorrect

in accordance with the fair XXXX XXXX act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Complaint sub-issue: Received bad information about my loan

Ive been working with a company called AES to help with my student loan paymebts to keep them current. I understand that my {$85.00} a month isnt going to make a dent in my XXXX student losn debt but i just found out that money hasnt even been applied to the loan then they offered me a student debt forgiveness program {$40.00} a month instead of {$85.00} and after 20 years of these payments the remainder of my debt will be forgiven?? Why cant i pay {$85.00} and make it 10 years or {$160.00} and make it 5 years why do i need that debt hanging over my head for 20 years when i couldnt even get a job paying XXXX a year???
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2019 I received notice that XXXX XXXX had reported my credit score to XXXX XXXX. This score was over 200 points lower than my XXXX credit score. I was notified that XXXX XXXX uses a different measuring matrix than the other three well known credit reporting bureaus. This results in a much lower score being reported. The lower score allows lending institutions to charge a higher interest rate to the consumer. I believe the different measuring matrix is a deliberate attempt to mislead lenders and amounts to defamation of character as well as bank fraud. Prior to XX/XX/2019 I had never heard of XXXX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, Phone XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Disputed information several times explaining i am a result of identity theft and asked to remove this from credit file. I am asking to validate debt by providing me with * Proof of signed document * Original Document
Complaint sub-issue: Information belongs to someone else

This is in conjunction with CFPB complaint XXXX. Please see attached.
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, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX
Complaint sub-issue: Problem getting my free annual report

the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?
Complaint sub-issue: Account information incorrect

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Complaint sub-issue: Debt was paid

I keep being put in collections {$340.00} from XXXX XXXX XXXX XXXX. I prove to the collection agencies that I paid them and they drop the collection. 
I am once again in collection. 
My finale bill after move out was {$340.00} XX/XX/2017. 
On XX/XX/2017 I paid {$50.00}. 
On XX/XX/2017 I pain {$100.00}. 
And on XX/XX/2017 I pain the final amount of {$190.00} for the total of {$340.00}. 
Hunter Warfield is the collection agent Acct. # XXXX XXXX XXXX XXXX  acct. # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize and they need to be deleted they are affecting my life
Complaint sub-issue: Information belongs to someone else

I moved out of my apartment in XXXX of 2014. I closed my XXXX XXXX account and paid my last bill. 
About 8 months later, I was told that I owed another {$490.00} which was obviously incorrect. This must have been the amount owed by the current occupant of the apartment. I on multiple times, tried to have XXXX XXXX remove the amount, but they sent it to collection with LJ Ross Associates. 
I have contacted LJ Ross over 12 times to remove the incorrect information from my credit rept, and they have refused each time. 
Please remove this collection from my credit report, I pray. Thank you!
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my Equifax and XXXX reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of Inquires, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for Equifax, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX the accounts are having a negative effect on my credit report. Equifax refuse to investigage these accounts
Complaint sub-issue: Account information incorrect

I Contacted Equifax XX/XX/22 at XXXX the called lasted approximately 1 hour and 11 minutes. 

During the call I explained that my rights as a consumer were being broken and Equifax was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} EQUIFAXXXXX {$160.00} XXXX {$910.00}