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

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022.
Complaint sub-issue: Debt is not yours

The account is reporting on my credit report but is not my account. It 's not even my name on the account. I tried to talk to the company and the first gentleman got aggravated and starting talking over me and told me to hold on, and then his supervisor got on the phone and she said I needed to file a dispute and allow 72 hours for dispute process. I have n't had an XXXX XXXX XXXX account. I 've had XXXX for years.
Complaint sub-issue: Reporting company used your report improperly

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing Carter-Young, INC to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update 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/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have received a letter notice that I have opened a Macys American Express credit card but I never did. This is identity theft and Im worried about my credit score will drop it in this matter. Please help to fix
Complaint sub-issue: Didn't receive services that were advertised

My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.
Complaint sub-issue: Personal information

I was unable to register for creditkarma unless I used my married name. I have been divorced for several years and I was n't even married long enough to need to legally change my name. There is also an address on my credit report that does n't even exist.
Complaint sub-issue: Investigation took more than 30 days

I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!
Complaint sub-issue: Old information reappears or never goes away

I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. 
Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me. 
These account are incorrect and misleading. I will seek legal action if they are not removed within XXXX business days. This is the last notice. If there is no proof you must remove these accounts. 
Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, XXXX XXXX, XXXX. I had applied to XXXX ( has always discriminate denying me without reasons ), XXXX, renewing XXXX, and XXXX. I have updated their background check companies they used that are DISCRIMINATING against me denying me employment, not accepting my certify documents and copied documents that their error are going back to an old issue that wasnt an issue in XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX until my XXXX XXXX on XX/XX/XXXX was XXXX on XX/XX/XXXX. I have attached the documents and I keep getting an unfair rejection and the background checking companies stated that it is up to their third party. Unfortunately, this third party controls all corporates and businesses in my county. I applied for employment with XXXX, I was denied and listed as not eligible for rehire with no reasons. Something with the XXXX XXXX  background check companies. This is DISCRIMINATION as I was a XXXX XXXX  Victim in XXXX, was a Victim of XXXX XXXX in XX/XX/XXXX, Victim of XXXX XXXX  on XX/XX/XXXX, and now this. These companies need to be looked into. This is Depriving me of my Rights, Violating my 1st Amendment, and Civil Rights.
Complaint sub-issue: Don't agree with the fees charged

I believe PHEAA to be in violation of unfair credit reporting and collection tactics during the pandemic. My loans went into default at the onset of the pandemic despite me attempting to work out a payment plan with them. Not only did they continue to report that I was in collections but they reported that I was late as well thereby purposely and maliciously affecting my credit. If that wasn't bad enough they sent my account over to a collection agency and added a whopping XXXX, XXXX to my loan bringing my loan to XXXX from XXXX. I feel that this is unjust and malicious in nature
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the XXXX investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not perform their due diligence and my information was improperly and illegally obtained from their systems. I am now highly subject to stolen identity and other frauds in my name.
Complaint sub-issue: Debt was result of identity theft

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Complaint sub-issue: Other problem getting your report or credit score

I am trying to buy a house and my lender is unable to pull my credit from Equifax.I both have made numerous calls to Equifax since XX/XX/XXXX to clear up any issues. Equifax says that there is no block on my credit. My lender has reached out to his vendor as well yet the error still remains the same. I just got off the phone again today XX/XX/XXXX and the woman on the phone said there was nothing else she could do then gave me a number to customer service that could. I called the number and it was no longer in service.
Complaint sub-issue: Personal information

I am not sure who the credit reporting company is that have the wrong address information. I never resided at XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please update my personal information to reflect this.
Complaint sub-issue: Investigation took more than 30 days

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Complaint sub-issue: Problem getting your free annual credit report

I tried to get my credit report to open and access the mysocialsecurity.gov account process. I received a report from two companies but equifax refused to provide me with my annual report. They also blocked my access to register for the social security account that I am entitled to use by law. I called the company and they demanded I send a copy of my driver 's license and social security card. XXXX XXXX advised that I not do this as it opens me up to identity theft. The equifax representatives spoke about my account requiring verification although it has not needed this in past years and they refused to give me any further information such as what triggered this verification need and although I tried through them to get to someone who could tell me why the status was blocked they refused to tell me. 

I filed a complaint with you regarding this and the response was that they could not locate a file for me even though on the phone they indicated that there was one, but they could not access it without copies of my license and social security card - and provided one in the prior year ( s ). So they essentially lied to your agency in their response and to me as well. I do have a credit history as XXXX and XXXX   demonstrated by providing reports from their records. I request that Equifax re-examine their file and provide me with my annual credit report per their federal mandate. I jointly share credit with my spouse and he was also blocked and had to go through several other procedures to access his social security options - including registering for XXXX. We have bank accounts and credit cards and have actively used credit in the past 10 years on a monthly basis. I still maintain that requiring me to send a copy of my social security card and driver 's license is unsafe and unnecessary. I still want CFPB to require them to find my file and send a copy of it to me. If they have " lost '' my information that is a breach that compromises my identity and future benefits in my retirement years and I am entitled to know about that loss/breach of security. I am also entitled to know what organizations have requested information on my credit - which they refused to provide. They also refused to tell me if there was an alert or fraud notice related to my credit. Resolution - provide me the report as requested without my having to provide copies of my driver 's license or social security card. Mail it to either of my addresses - the one I have used for the last four years or the one I have used for the last 20 years - both are still good addresses as I have two homes while I am still working. It will get to me, but it needs to be provided without the present run-around.
Complaint sub-issue: Received bad information about your loan

XXXX   XXXX   XXXX  - I called  Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $  XXXX  {$5000.00}. I was told I could defer my payment for  XXXX  and have repayments start up again in  XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent  XXXX  and  XXXX , I told them I was on a trip on  XXXX  and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to  a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in  XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on  XXXX   XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.
Complaint sub-issue: Account status incorrect

The information currently reflecting on my personal credit from " XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Complaint sub-issue: Debt is not yours

I am not the Guarantor of these accounts listed below. I demand they be deleted as were on my other credit reports. 

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX balance {$1600.00} Credit limit {$1300.00} XXXX XXXXXXXX XXXX  XXXX Account number XXXX Balance {$1100.00} Credit limit {$850.00}
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between ( 30-60 ) days. This is per the COVID practices of XXXX. Clearly, I was within the ( 30-60 ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information is not mine

I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.
Complaint sub-issue: Reporting company used your report improperly

Multiple letter sent to companies involved from 2018 until present day. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX and 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.
Complaint sub-issue: Debt was paid

I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX  XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.
Complaint sub-issue: Information belongs to someone else

EQUIFAX AND XXXX  is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : 11 XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.