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

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN tome. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) thecredit bureaus are required to remove any accounts or information not later than 4 business days afterthe date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

I saw on my credit report a bill from XXXX XXXX for XXXX XXXX XXXX. I contacted ERC and paid the debt but they will not remove it as debt on my report from XXXX. I have called several times and even contacted the original creditor to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

1 XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Complaint sub-issue: Debt was result of identity theft

I have provided XXXX 's with all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/2017 Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Account status

ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EQUIFAX HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing Financial injury, Defamation of Character, and had hurt my ability to obtain credit & employment. 

on XX/XX/2022 I reached out by letter to the credit bureaus about inaccurate information on my credit report and still have yet to receive a reply or any type of resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..
Complaint sub-issue: Problem during payment process

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX/XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never XXXX days late.
Complaint sub-issue: Information belongs to someone else

On XXXX 2021, my credit was affected by XXXX XXXX XXXX and Equifax. 


Equifax mixed credit files with a person similar to my name and they refuse to fix it. 

Upon further review, XXXX XXXX XXXX placed inaccurate/unverified collection for {$660.00}. 

I sent a debt validation letter and XXXX XXXX XXXX sent me a printed bill, without my social security or wet ink signature. 

Furthermore the address is unknown to me, as this is not my address. 

According to the FCRA FAIR CREDIT REPORTING ACT this bill does not constitute proper validation. 

I want XXXX XXXX XXXX to delete this inaccurate information from my credit reports XXXX XXXX and Equifax.
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, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Complaint sub-issue: Billing dispute for services

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX  that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Complaint sub-issue: Account information incorrect

Credit score is all over the place, XXXX here, XXXX over there.
Complaint sub-issue: Changes in terms mid-deal or after closing

I applied for an auto loan through Carvana and was originally approved for financing. When I  selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, we submitted a complaint against Citibank for reporting erroneous information about our credit card account. 

The issue is this : In late XXXX, XXXX we received correspondence from XXXX XXXX XXXX regarding the above referenced Citi Mastercard. In a subsequent phone conversation, we explained to XXXX that we had : Never received any statements from Citibank about the account ending in XXXX. 
Had never used the credit card Felt that this was somehow related to fraudulent activity that had occurred on a Citi Mastercard account ending in XXXX. 

At that time, we requested that XXXX provide us with Citi Mastercard account statements so that we could review the activity. On XX/XX/XXXX, we received 12 months of back statements from XX/XX/XXXX to XX/XX/XXXX. After a review of the information, we feel that the charges are fraudulent, as we had informed Citibank and the late fees and interest accrued unjustified. 

On XX/XX/XXXX, I received a letter from XXXX XXXX of Citibank 's Executive Response Unit stating that we were correct and that all late fees and interest charges were waived. I contacted Citibank on XX/XX/XXXX and was told that there was an outstanding balance of {$7.00} on the account but the balance was not past due. 

On XX/XX/XXXX, I received an email from XXXX stating the citibank had once more reported this account as past due. I have contacted Citibank once more and received no cooperation in resolving this issue.
Complaint sub-issue: Information belongs to someone else

I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Complaint sub-issue: Received bad information about your loan

I am participating in the Public Service Loan Forgiveness program. I submit Employment Certification Form ( ECF ) at least once each year to verify my employment so that I will be able to see that my payments count towards the program in real time, also as it is recommended for PSLF by Fedloan. I submitted an ECF in early XX/XX/XXXX ( around XX/XX/XXXX ) and received an email on XX/XX/XXXX that more time would be needed to verify my employment. I called Fedloan on XX/XX/XXXX to check the status and was told by XXXX ( Employee ID XXXX ) that she is not sure why the employment was not certified and she would put the form through to be expedited. My employment has still not been verified since that submission. Therefore, in late XX/XX/XXXX ( around XX/XX/XXXX ) I submitted an additional ECF. On XX/XX/XXXX I received the same email stating more time was needed for review and I still have not heard the results of that form. I spoke with Fedloan representatives two additional times, both of whom said both forms should have been approved by now. I have done everything necessary to qualify for the program and Fedloan is not verifying my employment in an appropriate timely matter and I would like this looked into. The two ECF 's I've submitted this year are attached. Thank you.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My father opened an account with XXXX and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

There are accounts that are negative and collections on my Equifax credit report. These same accounts were reported to XXXX and XXXX both XXXX   and XXXX completed the investigation of the items disputed and they were removed from my credit reports deleted completely. Equifax however has not deleted them. Has completed the dispute and all is still on there. I can not access Equifax online at all because the information they have for me doesn't match their records. I have sent them a copy of my DL social and utility bill reflecting my current address yet they do not update it. In fact I don't even know what they show for me because I can never pull any info because it is so inaccurate and doesn't not match XXXX or XXXX or any of my actual true current info. I have tried calling them multiple times never can get them to correct anything and who I have spoken to I'm always told about half way thru the call they are sorry to call back later their system is down or some other reason for me to call back and start over again. It's rediculous and alot of creditors unfortunately use Equifax as their basis for awarding credit I have been denied because my score with them is so low compared to the other two plus the information is wrong. They don't even reflect my current good standing open accounts it's rediculous they are even in charge of this and have control over my life when they don't do things correctly or accurately
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX put a collection - XX/XX/2019 Amount {$1400.00} I do not owe this debt nor know what it is. I called XXXX and they said they bought it from another collection agency whom I and removed the collection because the account was not mine. 

Many collection agencies once they lose remove bureaus will sell to a new collection agency even if trying to collect unlawfully. The new agency then puts a collection on consumer regardless what result was. They pass it on to eachother. 

This happened to me once on a XXXX XXXX {$100.00} collection that was my family members. It started w/XXXX then 3 diff collection agencies took it over even after I wont the dispute
Complaint sub-issue: Frequent or repeated calls

I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided
Complaint sub-issue: Reporting company used your report improperly

the accounts showing in my credit report was not sign or authorities by me and i gave Equifax 30 days to verify and update but no response was given
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX 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. 
XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$2900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have advised Equifax on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX account opened in XX/XX/XXXX, the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX and the Chapter XXXX Bankruptcy filed XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to Equifax that this information is inaccurate. Equifax has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.
Complaint sub-issue: Company closed your account

My account that has been open for over 10 years was closed with no warning or opportunity to prevent closure. I was notified via email at XXXX XXXX  EST that my account was closed, called immediately requesting that the account not be closed, and was told that to reopen the account I would have to get a new account with a full credit check. 

I was giving not given sufficient warning that was going to happen, and this is negatively affect my credit score.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent a letter to LexisNexis on XX/XX/2019, to place a security freeze on my LexisNexis consumer report but they replied : Unfortunately, we were unable to process your request, as we were unable to authenticate you with the information provided. 
The letter I sent this company had a copy of my current updated Identification card and Social Security card along with other personal information.
Complaint sub-issue: Reinserted previously deleted info

I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!
Complaint sub-issue: Investigation took more than 30 days

I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Public record information inaccurate

Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Citibank has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM CITI BANK, STATING WHY CITIBANK HAS SUDDENLY CLOSE MY TO ACOUNTS.
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****THIS WAS NO ACCIDENT.