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

Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) Onemain have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account Receivable Solution : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

How can they The item was deleted from my credit report and then reinserted without any notification. 
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).
Complaint sub-issue: Problem with fees charged

I purchased a vehicle XX/XX/2021 from XXXX XXXX XXXX in XXXX, TN. My credit was ran and approved. I asked and was told they participate in the truth in lending act. I was still required to put a {$2000.00} down payment. XXXX XXXX XXXX said that Gateway financial solutions ( loan is through ) required it down even after asking/stating in regards to the truth in lending act as well as the law 15 US Code 1662b advertising of down payment and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
As I did not arrange any credit payment or installment, I would like my down payment of {$2000.00} refunded and account justified/cleared since they violated my rights. The car still currently does not run and I have been current with my car note each month regardless.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I was a victim of identity theft and the original owner of the debt refused to acknowledge the theft.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Multiple phone calls from the same number ( XXXX ), upon answering, after several seconds, a recording from a female calling herself XXXX XXXX states she is trying to collect a debt, does not provide the debtors name & says since she is unable to reach me by phone, even though I have answered the call, that legal action by the police will be taken and if I do not respond they will come to my home. I called the number back, and the recording said they were Cambridge Asset Management. I called a second time & was able to reach a live person, but when I mentioned the message from XXXX XXXX, they hung up on me. I have never received any written correspondence from this company.
Complaint sub-issue: Account information incorrect

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my Equifax report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent letters to Lexis Nexis asking for proper verification of two bankruptcies that are on my credit reports. Lexis Nexis is in violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) as it has not responded to my letter dated XX/XX/XXXX to date. Lexis Nexis has not been able to provide direct verification from the US Bankruptcy Court in Texas. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. ( see letter attached to this complaint ). In fact the credit bureaus state on their dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute result reports back, Lexis Nexis has not sent me anything in regards to how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information. I am asking that Lexis Nexis remove this unverifiable information in regards to the two bankruptcies it is reporting.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX XXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Complaint sub-issue: Old information reappears or never goes away

There are 3 accounts with Creditor XXXX & 1 account with Creditor XXXX that were included in bankruptcy and discharged in XX/XX/2019 but they are all incorrectly showing collection/charge off status and balances. I have previously disputed and you found in my favor and corrected to included in bankruptcy but then they were updated right back to having balances and charge off/collection status again. I disputed again and now I am having to wait through the 30-45 day dispute process again. I need these fixed so that they do not continue to be updated back to what they were showing prior to the disputes. I have attached bankruptcy paperwork again for your review. See highlighted sections.
Complaint sub-issue: Other problem getting your report or credit score

Unable to unlocked my report. I paid for Equafax premium service that allows me to lock and unlock my report. But every time my report is locked, it has been a problem unlocking it.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from 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 any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 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 identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt is not mine

AllianceOne is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever signed ANY document, agreement, or application with them for ANY service, or contract. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
Complaint sub-issue: Information belongs to someone else

I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXX XXXX XXXX XXXX. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX my employer contacted me with a telephone number to call. The telephone number was XXXX for XXXX Support Services. XXXX XXXX was the name of the person. Before I could call the number, I received a couple of phone calls from a man telling me that a lawsuit had been filed against me for an outstanding debt. He informed me that my wages were going to be garnished along with a lien placed upon my home. He could not give me any information other than to call the telephone number and speak with someone at the XXXX XXXX XXXX XXXX XXXX XXXX. When I called, the lady on the phone began to tell me that I owed $ XXXX for a Citicard that I opened in XXXX. She said it charged off in XXXX and that I had to pay at lease a little over {$5000.00}, but I could counteroffer the amount. I knew that I had failed to pay the card when I was younger and thought that it must be legit. The lady had give me my social, driver 's license number as well as my wifes. They also had a list of utilities that we have. I countered with {$2500.00} and they countered again for {$3000.00}. I was fearful that they would do the things they said that they would do such as ruin my credit, garnish my wages, and put a lien against our home so I paid {$1000.00} on my credit card and {$2000.00} on my debit card. After I disconnected with them, I began to search for their information online and there was nothing that I could find. Also, the money shows that it was to a bank called XXXX in XXXX. I contacted the Texas Attorney Generals Office and Louisiana Attorney Generals office and both informed me that it sounded like a scam. My bank told me that I would not be able to get my money back due to it being authorized.
Complaint sub-issue: Information belongs to someone else

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax I recently received a copy of my credit report and I notice there is ( are ) credit inquiry ( s ) made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand you are not legally allowed to put an inquiry on my file unless I have authorized it.
Complaint sub-issue: Their investigation did not fix an error on your report

A personal loan, and credit card, and a XXXX XXXX  account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : XXXX XXXX XXXX XXXX Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

XXXX XXXX has sent me a fraud account letter which I have completed and returned back to XXXX XXXX XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX  Bankruptcy Case Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

I am trying to refinance my house for lower payment, the refinance company said : there is a CITICARDS CBNA dispute at your XXXX XXXX XXXX report that must be solved before we do the final closing. I called CITICARDS Bank 5 times and they said ; " we don't see any dispute at your account for the last 30 years, we don't know how this dispute issue appeared at your account ''. I have it record it when they said that in my files. they said call universal credit services tell them to remove, I did call them 5 times switching me from one agent to another and all said " you must contact CITICARD to remove it they are the one put at your records. finally called CITICARDS again and the representative said ; I will try to help you to remove we will let you know in 30 days case number  XXXX. 
Please help me to solve this issue and remove it from my account my credit score is XXXX one of the best all my life worked hard to keep it at that number, thank you
Complaint sub-issue: Personal information

I requested my personal information to be corrected on my file because I believe it is causing accounts to be placed on my credit file that does not belong to me. I have spoken to numerous representatives that continue not understand my issue. I last spoke with a supervisor XXXX from XXXX, Ga in the office of XXXX. He refused to correct my information and said I would have to give them a signed XXXX FORM. From my research in the Fair Credit Reporting Act, that is not part of the proving of identification for my information to be corrected. I would like for the FTC to investigate the violations from Equifax and to have them correct my personal information on my file. I have attached the dispute letter I sent to them on XXXX/XXXX/16, the certified mail receipt showing they received it on XXXX/XXXX/16, and the identity documents I mailed to them showing my correct legal name.
Complaint sub-issue: Received bad information about your loan

I disputed this loan in XX/XX/XXXX and again XX/XX/XXXX. I requested documents showing that I signed up for a loan.The program I was in was a free program and for some reason, I received a bill. In my disputed, I asked for some proof and all that was submitted to me was my grade school transcripts. My XX/XX/XXXX dispute all they submitted was a typed out letter from someplace I have never heard of. The school closed while I was attending and this is why I 'm disputing this loan. I would have disputed this loan prior to XX/XX/XXXX but, I did not know I could.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.