Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Problem using a debit or ATM card

i received a letter from Discover saying that dispute of {$340.00} would reverse. I found out that the temporary credit that issued and XXXX XXXX issued it with a few days after. the dispute was open for more then days and now they are telling me i have to pay the {$340.00} back by the XX/XX/XXXX. This unfair that the dispute was open this long and more notice 10 days to pay this back.
Complaint sub-issue: Problem with personal statement of dispute

I have Proven time and time again, and XXXX, Equifax, XXXX XXXX, all agreed account with XXXX XXXX was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX a Federally Protected Consumer rights have been violated. Equifax Consumer Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ). Accuracy & fairness of credit reporting.I did not benefit nor consent to these notated accounts being furnished.I value my consumer report and only a natural living person can do that.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I see four hard inquiries on my credit report for which I'm unaware of those inquiries.

1 : XXXX XXXXXXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards
Complaint sub-issue: Threatened to sue you for very old debt

The first call was a woman that Claimed to be a process server for XXXX XXXX XX/XX/2020. Phone number she called from XXXX. She claimed to have papers for me and I needed to contact her right away. After that first call Ive gotten several calls ( 4 to 5 times daily ) from a man named XXXX XXXX. Said he worked for a law firm. Phone numbers ; he calls from an anonymous phone number, one right after another before he will leave a message. Then he will call from these other numbers XXXX, XXXX ext XXXX, XXXX. These harassments are daily. He wants me to pay him for a US Bank debt of {$3100.00} by a docu-sign email he sent me during the first conversation I had with him. The pressure from him, the degrading threats have caused me into serious XXXX. He told me I was served in XXXX and my case number was XXXX  XXXX. He then told me my court date was XX/XX/XXXX at XXXX. But I should pay him now with the XXXX and I wouldnt have to go to court. I was never served any documents from the court. I gave him my credit card number and I have since shut that card down. After I got off the phone I was shaking. He said things degrading me and that I should of been paying my bills. After I got to thinking about my debt I realized that I only had a checking/saving account with US Bank so I called them with all the information he gave me to see if I owed them anything. I didnt have any debt with them. I called the court house and spoke with XXXX to see if I was served and if I was supposed to be in court on XX/XX/XXXX at XXXX and gave her all the information. She said NO and those numbers are false because their document have letters in their case numbers and they dont do civil cases on a Wednesday. He keeps threatening me with filling papers with the court if I dont pay him and legal action will be taken. My husband told him to serve me properly and we will discuss this all in court and to stop calling. But still he continues over and over. I called the State Bar to see if this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX was even a law firm. Its not. The XXXX XXXX told me to call the district attorney office inXX/XX/XXXX to see what they could do and so far because of my work schedule I missed her phone call but desperately want to speak with someone there. Yesterday, XX/XX/2020 he threatened to call my work and harass me there. I had to speak to my boss and let her know what is happening and its humiliating. Im tired, with constant anxiety and fear this man is going to come to my home or work. If this was legit I would face it but its not.
Complaint sub-issue: Reporting company used your report improperly

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. 
Account name : XXXX, XXXX and Account # XXXX, have 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 an 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 information : Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( Equifax, XXXX XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Complaint sub-issue: Information belongs to someone else

Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.
Complaint sub-issue: Account information incorrect

On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with XXXX XXXX in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with XXXX XXXX and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.
Complaint sub-issue: Account status incorrect

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, 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: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.
Complaint sub-issue: Information belongs to someone else

Talked to them and disputed with credit beareu several times.
Complaint sub-issue: Personal information incorrect

incorrect name and address and phone number will like this information removed With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, [ insert date of your most recent consumer report ], there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing.

Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly.

Omit the following names as my TRUE name can be verified on my supporting identification : LIST ALL THE INACCURACTE, MISSPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses : LIST ALL INACCURATE ADDRESSES LISTED Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : LIST ALL PHONE NUMBERS Omit the following employers LIST ALL EMPLOYERS Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Complaint sub-issue: Banking errors

On XX/XX/2019 I opened up this U.S. bank checking account with the promise of a {$300.00} opening bonus using this link https : //www.usbank.com/checkingbonus2019/. I used promo code XXXX. Months later I became aware of an issue regarding this promotional offer via a popular banking blog website. US bank has documented records of the wrong code being applied to accounts during the morning of XX/XX/XXXX. I have been in contact with multiple bankers at USBANK that have said they fixed the promo on my account and have corrected the issue as well as XXXX XXXX. who says I did indeed meet the requirements for the bonus. Nothing was fixed and I have screenshots of the website as I applied for the account and screenshots of the popular blog website discussing this error that effected many others.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The company FED LOAN SERVICING whose address is XXXX XXXX XXXX XXXX, PA XXXX has already deposited a 1099-C for the amount of {$20000.00}. I need my account updated to reflect that all payments have been paid as agreed.
Complaint sub-issue: Threatened to sue you for very old debt

I had a Discover charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm XXXX XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX filed and garnished my paycheck. Case XXXX XXXX file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from Discover with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. XXXX XXXX XXXX  is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
Complaint sub-issue: Account information incorrect

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
Complaint sub-issue: Problem with statement of dispute

Someone tried to open at XXXX XXXX XXXX, on XXXX/XXXX/XX/XX/2015, the next day XXXX sent me notice that on inquiry was made at equifax. I contact the following XXXX, XXXX XXXX XXXX and was told to file a dispute with equifax. I did so on XXXX/XXXX/XX/XX/2015, they replied on XXXX/XXXXXX/XX/2015. Stateing that " & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factualrecord of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questionsabout this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX ''. As stated before I have already contacted them and was told to contact them. 
I want the unauthorized request removed from my file.
Complaint sub-issue: Seized or attempted to seize your property

I've previously attempted to settle the matter with this company several times but they continue to ignored my requests and are in dishonor. The company received a Notice and Demand to Validate Debt Claim on XXXX XX/XX/2020, according to the tracking info on the Notice. As of XXXX XX/XX/2020, no response has been received and the company is well over the 30 days provided in the Notice and Demand to Validate the Debt. Carmax responded to the previous complaint to the CFPB on XX/XX/2020 where they allege their " records do not reflect receipt XXXX a debt validation request from Ms XXXX prior to her complaint '' which is false and misleading because the USPS tracking number shows that the document was delivered on XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

Recently I requested an investigation through Equifax regarding inaccurate information on my credit report. The Equifax report shows that I have a past due balance of {$2600.00}. This is an error. The loan was restructured on XX/XX/XXXX bringing the account current. The Fair Credit Reporting (  FCRA ) requires information furnishers to conduct a reasonable investigation with respect to the disputed item. Equifax reported the results of their investigation on XX/XX/XXXX with the error not being fixed. I do not believe Equifax did a reasonable investigation with respect to the disputed information.
Complaint sub-issue: Was not notified of investigation status or results

I sent Equifax a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Equifax. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, US BANK CONSOLIDATED add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Problem making or receiving payments

Was victim to fraud via XXXX. Made complaint on XX/XX/20 for two amounts totaling in {$990.00}. Received letter dated XX/XX/20 saying I couldnt get money back. I want to file police report if needed. I cant get ahold of person I sent money to he blocked me. He told me he wasnt going to send money back. I am struggling right now just had baby last week need this money back ASAP.
Complaint sub-issue: Unable to open an account

I had a bank account with U.S. bank. I was receiving many letters from all different states ( which led me to believe they were fake ) usually things like this have 1 main location they send from. So I ignored them being as they requested I call & provide updated information they needed. I let it go thinking it was a scam. Well my account got shut down. I called the bank when everything stopped working & I no longer had a mobile account. The first time they said " we don't know there's no notes here, well call back ''. Second time a week later they didn't call back. I called back, same thing. Third time, a 'bank XXXX '? Was in & said " we can't say, call our fraud department ''. I called them, they said " we don't know either, call this number ( some sort of internal department ). They said ALSO " ya we don't know but whoever it was just doesn't wan na continue our baking relationship ever again ''. WHAT DO I DO?! I thought I couldn't open any accounts. So I went a year without a bank which makes paying bills difficult. Luckily I was able to make about one with a new banner, but wow.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I made an agreement to pay off a debt with Volkswagon with the company XXXX. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and Volkswagon all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not Volkswagon 2. The money automally pulled 3. It dropped my score 14 points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP