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

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaux. I last wrote to the credit bureaux XXXX, Equifax, and XXXX on XX/XX/2022, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaux disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a consequence of identity theft. I contacted the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  I XXXX Balance {$500.00} XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX  Inquiry : XX/XX/2022 XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2021, I pulled my credit report from XXXX  and XXXX  and to my amazement, saw that a creditor was reporting me as a charge off. I immediately sent a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Complaint sub-issue: Billing problem

In XX/XX/2017 I took out a car lease with XXXX XXXX at the time I paid for the first two months, I did inform them that the bills need to be sent to my XXXX XXXX . They failed to send the statements to the address they were told to. So I never knew a payment was due. My first indication of something being amiss is when I got a phone call to inform me of the past due balance. At that point I paid the past due balance and reiterated were the statements need to be mailed to. 
VIN # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account : XXXX XXXX with account number XXXX has violated my rights. 

XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/2021 A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Complaint sub-issue: Other problem getting your report or credit score

I have been working with XXXXwo mortgage companies that have been unable to pull my credit report and credit score. This has been going on 2 weeks now trying to get this resolved and are still unable to pull my credit. 
I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. There are no freezes, disputes or freezes on my account. They stated that the company should be able to get the report. 
Phoned equifax again later on XXXX company attempted to run again with no luck. Again, as noted above Equifax still stated there was no reason they should not be able to pull my credit and that all information was correct. 
Phoned equifax again on XXXX. Verified my address online with them, also verified my potential lender had the same information- still unable to pull my credit report or credit score. I was on the phone with an Equifax customer service agent for 40 minutes trying to figure out why this was happening with no resolution. Still stating everything was fine. 
Phoned equifax again XXXX as the mortgage company is STILL unable to pull my credit information. XXXX and XXXX XXXX XXXX XXXX has attempted again to pull my score and get the same response : Information from your credit inquiry has been identified as potentially fraud therefore the credit report is not available for delivery. 
The above is the response they have gotten 3 times now! This is infuriating, I am going to miss out on buying my land and building my home because Equifax can't figure the problem out. It is ridiculous to go through this. XXXX and XXXX are reporting just fine. This needs to be resolved ASAP.
Complaint sub-issue: Attempted to collect wrong amount

Alliance One is a contracted debt collector of the state and more precisely XXXX XXXX XXXX. They claim that I did not pay on the XXXX of XXXX, and I can actually prove this with the recorded phone calls and my bank. The unfortunate outcome of this is that I will have to pay XXXX dollars to keep my license, which I need in order to get to work to even pay any of this money. They have made false statements saying that I did not submit it until the XXXX in order to force the money out of me more quickly, when I have no way of being able to pay that amount. This is very predatory and should be looked into. They have basically lied to me and are being allowed to punish me legally for something that they had wrong. It is n't my fault the company made mistakes, and I will not be defrauded in order for them to make an extra bonus for collecting a debt that is wrongfully being presented. I will now not be able to pay any of the money to them. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX Wa XXXX. I am planning on filing a Complaint and Summons by myself for predatory lending practices under the Consumer Protection Act and ask for damages in the amount that I would make in a years wages. Please look into this.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX. 

The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXXXXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Information belongs to someone else

I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
Complaint sub-issue: Information belongs to someone else

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Account status incorrect

MEDICAL DATA SYSTEMS ISSUED A DELETION REQUEST FOR THE COLLECTIONS ACCOUNT ON MY EQUIFAX REPORT. DESPITE REPEATED REQUESTS AND ATTEMPTS, EQUIFAX WON'T DELETE THIS. I HAVE A COPY OF THE DELETION LETTER.
Complaint sub-issue: Information belongs to someone else

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Reporting company used your report improperly

I would like for you to please send me all relevant documents that was used with XXXX XXXX and XXXX when you claim and or took it upon yourself to notify and or what I believe you personal are using their reports! Illegally! What I will need from you is a copy of my dispute asking you to contact XXXX XXXX XXXX on my behalf to initiate any disputes with any of the XXXX? They dont even show what was specifically asked of you to dispute like your credit report so explain to me as to why you would even notify them! Lexisnexis I use the CFPB for specific reason and every single dispute or complaint has been uploaded here so I know you are doing false credit reporting and Im tired of the runaround with your illegal and violations!! 
Under Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.show me the facts I want to see that you actually did a reasonable investigation this mean go to the sources ask questions get and prove physical verification! I want you to show me! I shouldnt have send you information and you turn around and sell my information thats not completely verifiable and accurate! No sir XXXX XXXX! If you want to keep reporting that for the next 10 years you are going to have to show me you your hard work and effort in order to keep reporting this!!! Show the fact please and I will leave you alone!! But until you do we will go to XXXX and back if you think Im going to back down!! 
Thank you XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax because of the Unauthorized student loans that were showing up on my credit report. Which I sent them proof of identity theft, meaning all identifiers like SSN copy, A utility bill with my current address, a police report with my name address and birthdate on it, and other verifiers. However I received a message saying that they can not properly investigate because it is a third-party issue however I called consumer finance and was told that they could not identify me in their system. Which makes no sense I feel they are deliberately avoiding investigating my complaint and disputes. I am not being treated fairly.
Complaint sub-issue: Debt is not yours

InvestiNet sent me a letter stating I owe {$24000.00} to them and they would take a payment of : Option1. {$14000.00}, Option2. {$7900.00} in to lumpsum payments, or Option3. {$1500.00} in a payment of 12 months. This is fraud and I do not owe the InvestiNet or XXXX XXXX XXXX any money. This company is acting on a fraudulent debt.
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX  XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Complaint sub-issue: Debt was result of identity theft

Business has not taken the debt off all three of my credit reports. There was proof provided due to identity theft and I'm still seeing it on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a discover card in XX/XX/2018 with a zero percent interest rate for 12 months. For the last 2 months I am now being charged interest. I spoke to several people at discover who were not helpful in getting this resolved.
Complaint sub-issue: Debt is not yours

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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 stickler 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 ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  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: Old information reappears or never goes away

Creditors that should have gone off my report and are still there after 7 years and selling my old reports to other Companies just to keep my scores down.
Complaint sub-issue: Information belongs to someone else

I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights 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: Having problems with customer service

On XXXX XXXX, 2015, I was involved in an automobile accident that resulted in a XXXX. Following two months of not being able to work - doctor 's orders - I began working half time on XXXX XXXX, 2015. During this period of time I have had no income. I hope to be working full time again after two more weeks of recovery and only then will I again have full time income. I have tried my best to work with Sallie Mae to get through this period of recovery and lost wages. Several phone calls later and all I was told was that my account is " all messed up '' and that it will be straightened out with the latest phone call. I was also told by that Customer Service employee that I should " ignore all phone calls '' as this situation would be resolved. I just checked my Credit Score and found out that they have not straightened out this situation - in fact they had placed on my credit record a delinquency that has severely negatively impacted my credit score and the credit score of my co-signor. I contacted Sallie Mae again and have been told that nothing can be done about this. Upon checking my Sallie Mae account on XXXX XXXX, I had a letter stating that I needed to pay over {$600.00} in order for a negative report not to be submitted to my credit record. They have already submitted that negative report! I am now hoping to begin further education this summer for a degree in XXXX XXXX. However, the way Sallie Mae has handled and, according to their representative " messed up, '' my account, I am now afraid that I will not be able to financially pursue my education objectives. And, I am afraid that my credit record will be negatively impacted by their " mess up '' and reporting to credit bureaus after I was assured this matter was cleared up on XXXX XXXX. I am at a total loss ... ..
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/XXXX FEDLOAN added a total of {$650.00} in " UNPAID INTEREST '' to my DIRECT SUB CONSOLIDATION LOAN ( {$350.00} ) and my DIRECT UNSUB CONSOLIDATION LOAN ( {$300.00} ). 


The above Federal Loans are under the XXXX XXXX XXXX XXXX pause that is in effect until XX/XX/XXXX and are mandated to not be accruing interest. 

FEDLOAN states they have no knowledge " why '' the interest is added to my account. They can not provide a reason or accounting for adding {$650.00} to my account.

I consolidated to FEDLOAN on XX/XX/XXXX per the XXXX waiver after paying my loans for almost 30 years total. I was hopeful that after decades and decades of mishandling my loans the XXXX waiver would be the end to my 30 year nightmare of paying for college. Now, it's a new scam - No PSLF and a bigger balance than I started with pre-COVID pause. 

Please help me. I have attached the FEDLOAN Consolidation Letter dated and my account from yesterday showing the {$650.00} " unpaid interest '' added to my balance. 

Thank you
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.