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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting with the Credit reporting agencies Equifax, XXXX, and XXXX for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against Equifax!
Complaint sub-issue: Received bad information about your loan

I received an email saying a previous email I received regarding student debt cancellation approval was an " error ''. I am very confused! Please stop this company from wrecking my life!
Complaint sub-issue: Threatened or suggested your credit would be damaged

In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continue to report 16 delinquent accounts that are all current and paid as agreed. I've disputed this inaccuracy online and letter mailed certified, and they still refuse to correct the inaccuracy that is causing lenders to deny personal loans, pre-qualified auto loans, and home loans.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Received bad information about your loan

Hi from XX/XX/XXXX to XX/XX/XXXX I was making payments to Fedloan for {$330.00}. 

However, I was in XXXX school the year before and did not take in any income over {$10000.00}. My payment should have been {$0.00}. 


I remember calling Fedloan to resolve this a few times. Waiting hours sometimes to just get through to verify. They gave me incorrect information in the beginning of repayment and said I could not get my payments back. 

Now with the department of education correcting things, I want to advocate for my money back. My federal tax returns and payment history would show that I was mislead into making these payments.
Complaint sub-issue: No notice of investigation status/result

I sent out a dispute letter via certified mail to Equifax on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from Equifax. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.
Complaint sub-issue: Debt is not yours

A company called XXXX XXXX COLLECTING A ON XXXX DEBT IS NOT MINE. This company just reported on my credit file. I am disputing and want this mistake removed ASAP. How does the credit agencies let this happen to consumers?
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Information belongs to someone else

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX   XXXX : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XXXX I requested XXXX  to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XXXX XXXX  completed their dispute process & advised that the public record was verified via Lexisnexis as being mine & dated XXXX as the verification date. I have a letter from Lexisnexis that my consumer report was frozen on XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. XXXX has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via LexisNexis on XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.
Complaint sub-issue: Account status

I have disputed the following accounts with the CRA and they have come back verified and I them asked for a method of verification that was ignored. I am now providing proof that these accounts are not correct and that I have requested validation from the debt collector through this portal and that was answere through this portal. In Case number : XXXX with this agency XXXX refused to provide validation of the debt and the terms other then to say I owe them. If they refuse to provide this agency with the proper validation required by the FRCA how can the CRA get verification. All the accounts listed by XXXX on my credit report contains many inaccuracies that are hurting my credit report : since I have disputed them and the CRA has verified and I have requested a method of verication in writing demanding the name and phone number of the person they spoke with and what proof they received to verify this alleged debt and it was ignored I demand that all the XXXX accounts be removed at once from my report. Once again if this agency could not get verification of the debt how could th CRA per the FCRA.
Complaint sub-issue: Information belongs to someone else

I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXX Security Finance Account # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

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

XXXX XXXX XXXX  is report on my that I have had 3 late  payments. My account was set on auto payment but for some reason it was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.
Complaint sub-issue: Reporting company used your report improperly

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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: Problem making or receiving payments

PNC actively refuses to connect with XXXX, citing security issues, but is simply not true. There are articles on their refusal to work with XXXX in favor of their own competing service. Competing service is fine, but their reasoning does not hold, so they're covering up under a " sounds nice '' excuse.
Complaint sub-issue: Reporting company used your report improperly

Dear Sir or Ms : Over this past weekend ( XXXX XXXX ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX VA XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than 65 calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, XXXX XXXX ( M : XXXX )
Complaint sub-issue: Public record

A tax lien was Recorded in Error, i been contacting the credit buteaus to remove it, yet they keep refusing to remove that record from my credit report.
Complaint sub-issue: Problem getting my free annual report

XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Complaint sub-issue: Public record information inaccurate

Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, XXXX XXXX, a collection XXXX. Please its hurting me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The case against Discover Discover Card XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In short, I have paid for an annual cell phone plan with a merchant, XXXX XXXX  XXXX by using a Discover Card on XX/XX/2022. After the SIM card kit from the merchant has arrived, I was unable to activate new line or port my number for weeks from the previous carrier to XXXX XXXXBy XX/XX/2022 issues were still unresolved and I have finally notified the merchant about me moving on and have asked the merchant for a refund. They did not refuse to issue the refund it but they never issued one either. At that point, Discover Card was contacted and end result was their denial to issue a refund to me by confirming in mail how merchant does not issue refunds.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party
Complaint sub-issue: Information is not mine

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on Macys XX/XX/XXXX on XXXX XX/XX/XXXX XXXX XXXX  I did the claim for the other two news inquiries
Complaint sub-issue: Didn't receive notice of right to dispute

It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}
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 XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$730.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX  Inquired on XXXX XXXX, 2022 2022
Complaint sub-issue: Investigation took more than 30 days

I have not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/XXXX to correct these suspicious pieces of information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Problem during payment process

In XXXX of 2019, Macy 's put a late payment on my account. This was an auto bill pay issue and Macy 's recognized this on their end and said they'd get it removed from my credit report. It's been several months since I submitted my complaint, however the late payment has still not been removed. It's been reported by all three major bureau 's and has greatly lowered my score.
Complaint sub-issue: Denied request to lower payments

On XX/XX/XXXX I requested a refund of a duplicate payment I made to XXXX XXXX XXXX XXXX XXXX XXXX I had submitted two payment on my vehicle auto loan on accident in the amount of XXXX I requested a refund on one of the payments I was not late on my auto loan I submitted all the paper work they requested and the representative told me I should not have any problem getting my money back On XX/XX/XXXX the representative contacted me back and informed me i should be able to receive my money back into my back account as an update well today XX/XX/XXXX I received a phone call from XXXX XXXX and he was very very unpleasant he denied me my money back after I was told several times I could receive it back I explained to him due to the government shut down I was having a hard time paying my bills and supporting my children he did not care he told me I had to leave the money on the car not and he was not going to refund my money back to my account I ask to speak with a supervisor he claim he was but he was not this was the worse customer service ever this company from the dealer to them got over on me I payed double for a car that is only worth a small price blue book value I been having problem since I purchased the vehicle and for them to not want to give me my money back after I told him I needed to support my children is wrong please help me take action on this company and this employee so he want treat another customer this way