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

I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from equifax ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX  account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.
Complaint sub-issue: Public record information inaccurate

Dear EQUIFAX : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, a MoneyLion account was fraudulently opened in my name. A loan for {$1000.00} appears to have been taken out. Additionally, several payments were charged to my personal checking account and sent to Moneylion : 2 on XX/XX/XXXX for {$19.00} each, and 4 on XX/XX/XXXX for {$97.00}, {$45.00}, {$19.00}, and {$19.00}. I reported these fraudulent charges to my bank, XXXX, and they were reversed. However, the loan account has remained open. I filed a dispute through XXXX, but they deemed the account information as " accurate ''. Missed payments are beginning to show up on my credit report and affecting my credit score.
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX I paid my total balance of approximately {$5300.00} from my statement due date of XX/XX/XXXX leaving a XXXX balance. On XX/XX/XXXX a recurring monthly charge of {$9.00} was charged. For my XX/XX/XXXX statement I was charged {$54.00} in interest. I called customer service to find out why I am paying that amount for only {$9.00} charge. I was told that thats the daily interest charge for the {$9.00}. CitiCard need to stop overcharging customers. I have read reviews from other consumers how this company will just cancel your card without an explanation. Thats fine with me because I will just bring this account to a XXXX balance and never use it again. If I cancel it will bring my credit score down is the only reason I am not cancelling.
Complaint sub-issue: Old information reappears or never goes away

Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
Complaint sub-issue: Information is not mine

equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.
Complaint sub-issue: Debt is not yours

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX. I have been unable to get a job or access credit cards because of you assuming this role. You are in violation of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) if this was a factual transaction ( which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report.

THE COMPANY REMEX INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO XXXX XXXX XXXX i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Complaint sub-issue: Account status incorrect

I paid off a debt in person to XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of {$180.00}. I sent the receipt to Equifax and XXXX twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.
Complaint sub-issue: Account information incorrect

TO GET TO THE POINT, THIS COMPANY RUINED MY CREDIT! I have first bought a XXXX XXXXXXXX XXXX  XXXX XXXX XXXX from this company. XX/XX/XXXX, with a down payment of {$8500.00} the full amount was {$10000.00}. I finaced the remaining {$1900.00} with 3 monthly payments of {$640.00} beginning in the month of XX/XX/XXXX and ending on the month of XX/XX/XXXX. I made every payment on time and you can verify that through this company. This company decided to report what I financed XXXX months ago in the month of XXXX. Everything they reported was highly incorrect. I'm very unpleased with what they reported. I also spoke to the agent she told me " one of her workers was in a rush I'm sorry for the mistake '' that's very unprofessional also, the title I have in hand proves that the release of lien or security interest is XXXX, its also signed by there agent. Which proves that my last payment was received in XXXX. This company decided report that the account was closed on XX/XX/XXXX, with 67 % missed payments. Also they stated that I first made my payments in XX/XX/XXXX instead of XX/XX/XXXX. I'm highly upset with this company and want to take legal action against them. Also when I call this company phone number they are not cooperative. They are treating me as if they don't care about my credit. They keep telling me we are waiting on Equifax to get back to us. Instead of getting in contact with them. This company ruined me in the long run and this is how they go about turning people credit. They delay the whole process. Also, I can show everything that proves this company is highly unprofessional. Thanks for giving me the time to let you know my problem.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote a letter to this company dated XXXX XXXX, XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX XXXX date XXXX XXXX, XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc. ) that will prove the validity of this account. This company can not even tell me when was the date of service which on their letter shows " XXXX/XXXX/XXXX ''. Their response is unacceptable and unlawful, so is this credit repository 's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX 's letter, copies of the letters sent to this credit repository and to XXXX
Complaint sub-issue: Information is not mine

This has been an ongoing issue with equifax since XX/XX/2015 to present. I have attempted numerous times to have identity theft information removed from my credit report with equifax. Instead of them removing the information they keep reinvestigating and not providing any documents, not providing my legal signature on a contract or any contracts at all. As one last ditch effort I mailed out another request to Equifax requesting to have these items removed and it has been 30 days with no response. NO CONTRACTS OR DOCUMENTS have been produced. I have also provided credit reports from XXXX and XXXX because they have complied and have removed this information and not reporting as EQUIFAX continues to do so. Equifax continues to apply stall tactics, not complying with FCRA and not complying with the law for consumers.
Complaint sub-issue: Frequent or repeated calls

They would call three times a day for a month after I submitted {$100.00} towards the account. XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Cashing a check

Hello I have savings and checking accounts with the US Bank. 
Im currently located in XXXX Tx for a year and 6months now and they have my address from texas on file. There are no branches here in Tx. But A teller from KS allowed around 8 transactions withdrawal from my savings and checking accounts They thiefs even deposited ficticios checks and withdrew money to XXXXhe point bt my balance is - XXXX XXXX  The amouths withdrawn from my savings account reach to XXXXXXXX XXXX in 3 days from XX/XX/XXXX to the XXXX. 
I reported the issue as soon as I realized what was happening, the agent from the Fraud department at US bank said on XX/XX/XXXX they were sending an affidavit on the mail for me to sign and start the claim process to get my money back. I haven't received that affidavit but I have received other letters and notices from them dated XX/XX/XXXX. I called today twice The first agent was rude and misleading she said their fraud department was behind and that my affidavit was not even out yet. This raised a flag ... How many fraud cases do they have? So our money is not safe in that bank? 
During my second call another agent said the affidavit had been sent on the XXXX ... and that she requested it again to be sent by mail or e mail I was never explained before that could be sent by e mail. 
I don't trust they are giving me the right info, they are not consistent in what they are saying They are misleading and withholding information I need my money back as soon as possible my son is having a XXXX on XX/XX/XXXX If they are misleading about sending the form to start the process to get my money back, how Iam going to trust they are giving it back? 
They are also misleading about the time frame up to 4 weeks, or up to 90 days to resolve this issue?
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed to be received within 3 to 4 weeks. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 15 years. As of XX/XX/XXXX, I have received no response from Equifax. 

Once again, Equifax has not provided the Free Annual Credit Report which they are required to provide by law. This is a repeat of the same problem I encountered XX/XX/XXXX, ( Case Number XXXX-XXXX ) as well as the year before in XX/XX/XXXX, ( Case Number XXXX-XXXX ). For some reason, Equifax seems to be denying my access to my Free Annual Credit Report. 

I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.
Complaint sub-issue: Didn't receive enough information to verify debt

I saw a credit alert on my account on XX/XX/2020. I contacted the company that listed it ( IC System ). After a series of phone calls, they had not done anything to provide information on payment, so I sent a registered letter on XX/XX/2020. I had not received a response by XX/XX/2020 and filed a complaint with the XX/XX/XXXX IC System responded to that complaint saying they had sent a letter to me on XX/XX/2020. I received that letter today ( XX/XX/XXXX ) - attached. It does not address the specific questions I asked. They are not being responsive. And, in the meantime, I am trying to resolve this in good faith, but can not proceed without answers from them. 

How are they being held accountable?
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing the following accounts with XXXX, Equifax and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : XXXX  Date Submitted : XXXX XXXX, 2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Complaint sub-issue: Personal information incorrect

My equifax report shows the wrong social security number. I need it updated asap.
Complaint sub-issue: Reporting company used your report improperly

Equifax is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Equifax is in violation of 15 USC 1681a ( o ) ( 5 ) ( A ) ( i ) which states that with respect to which the consumer who is the subject of the communication consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; Equifax never received consent from me, the consumer.

Equifax is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Equifax NEVER did such interviews with any neighbors, friends, etc.

Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Equifax has never received written instruction from me.
Complaint sub-issue: Debt is not yours

This is inaccurate there is a listing on my personal credit file stating I have a Macy's/DSNB charged off account which I haven't done business with Macys in 8 years. Please help
Complaint sub-issue: Debt is not mine

On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke with XXXX representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke equifax, and they did nothing to rectify this inaccurate and unauthorized inquiry.