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

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX I filed a dispute with XXXX and XXXX about me not having any knowledge of account with Macy's/DSNB, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.
Complaint sub-issue: Public record information inaccurate

I SENT IN A DISPUTE LETTER ( TO LEXISNEXIS ) UNDER SECTION 609 TO REMOVE A FRAUDULENT Bankruptcy.

LEXISNEXIS FAILED TO RESPOOND TO ME DISPUTE LETTER WITHIN 45 DAYS.

Failing to respond to your written disputes within 40 days.

This is a direct federal violation of The FCRA LEGAL JURISDICTION : FCRA Section 611 Part ( A ) ( 1 )
Complaint sub-issue: Reporting company used your report improperly

Equifax did not protect my information and I was notified I was part of the information leaked.
Complaint sub-issue: Personal information incorrect

In accourdance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

my bankruptcy was closed and filed XXXX and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
Complaint sub-issue: Investigation took more than 30 days

I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXXXXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.
Complaint sub-issue: Account information incorrect

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX & XX/XX/XXXX are the late payments listed
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... US DEPARTMENT OF EDU, CONTRACT CALLERS I ( ORIG CREDITOR : XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
Complaint sub-issue: Account status incorrect

XXXX XXXX keeps changing my payment history. At first it was only one 30 day late from XX/XX/ 2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.
Complaint sub-issue: Information belongs to someone else

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you
Complaint sub-issue: Information belongs to someone else

I have been submitting letter since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There was a collection on my account from XXXX XXXX XXXX for an account with XXXX at the XXXX apartment. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both XXXX and Equifax who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither Equifax nor XXXX can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.
Complaint sub-issue: Problem with customer service

I applied for forgiveness under the PSLF program on XX/XX/2020. I have tried to check on the status of my application at least 7 times via phone and live chat and gotten incredibly inconsistent information about whether my application was received, whether it had been reviewed by Fedloan, when/if it had been sent to the dept of Ed, how long that process would take, and how I would be notified of its forgiveness. One representative even told me I wasn't entitled to know where my application currently was. I'm so frustrated with the misinformation and lack of transparency.
Complaint sub-issue: Sent card you never applied for

I was in Macy 's Department Store on XX/XX/2021 shopping with my Macys Platinum card to buy a suit. When I went to pay for the Suit the cashier talked me into opening a Macys American Express Card. He explained that i would get a discount on the suit and that the Macys American Card I could use anywhere not just Macys. He said I would receive my new Macys American Express card in the mail along with the bill and the discount on it .. TodayI just received A New Macy 's Silver Card not a XXXX XXXX XXXX and no bill, Since I already have their Platinum card I have no use for the Silver Macys card. I called Macys about this and they told me that this happened because XXXX XXXX turned me down so they opened the Silver Macys card. Prior to my visit to Macys that day my credit score was XXXX. Now I did not ask for that Silver Macys card and I am sure it will affect my credit negatively. If XXXX XXXX turned me down they should have notified me and after that Macys should have asked me if i wanted the Silver card. Not take it upon themselves to open a Card I did not ask for. I put in a complaint with Macys i spoke with a supervisor ID # XXXX and she explained what happened but she could not change it that i would have to keep the card. I Have had a Macys card for 10 years and never had any problems with my credit. I was told that I was getting an Upgrade on My Macys Card To an XXXX XXXX card. I was Lied to.
Complaint sub-issue: Investigation took more than 30 days

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Complaint sub-issue: Fee problem

Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. 

I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.
Complaint sub-issue: Report provided to employer without your written authorization

The loan been updated every time it was bout to close so i received calls after calls harassing me and my household that I didn't know about!
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I purchased a vehicle with XXXX XXXX services in XX/XX/XXXX. I have never been late with payment and payed over, resulting in my $ 462 monthly payment being on {$62.00} the month of XXXX. I purchased a new vehicle on XX/XX/XXXX, the due date of flagship. The loan from Flagship was transferred to capital XXXX that date. XXXX has a questionable reputation, so even though I had already been released from my loan. I paid {$70.00} to ensure I was not hit with a late fee, with the assurance that this would be refunded as my payment was not included in the payout. Not only did they XXXX not return the already paid funds but they are charging for another month. When I called, the representative stated they did not receive a payout when I have the paperwork from XXXX XXXX stating that it has, along with the title of release.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  Unfortunately after the results of an investigation into HIPAA violations, XXXX  continues to report these violations on my credit report. AMERICOLLECT, the company in violation has placed the burden of correcting and updating my credit report squarely on XXXX. I am including in this complaint, AMERICOLLECT 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on XXXX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.
Complaint sub-issue: Problem with personal statement of dispute

I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.
Complaint sub-issue: Information belongs to someone else

1. I don't know who this account is? 

2. I have disputed this with equifax and the company, nothing has been sent to me showing that this account is valid. 

3. This is hurting my credit report as it shows to be derogatory on my credit. 

4. The balance shows {$0.00} 5. The company is reporting the status of the account as Current. 

6. The company is reporting the Credit Limit as {$0.00}. 

7. The company is reporting the account as being charged off and suspended. 

8. The company is reporting the Date of Last Activity as XX/XX/XXXX XXXX. The company is reporting the Last payment as XX/XX/XXXX. 

10. In the payment history the company is reporting Payments made : XXXX - XXXX XXXX - XXXX XX/XX/XXXX All this information is contradicting itself, and looks like fraud. I have no information on this account and I don understand why Equifax is choosing to allow this to happen.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX / XXXX / XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call American mediation with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.
Complaint sub-issue: You never received your bill or did not know a payment was due

Within the last year several of my credit card companies have assessed late fees & interest to my accounts.This is due to the fact that I did not receive the prior months printed statement.I receive paper statements for all my credit cards & pay the total amount owed each month.When I notify the credit card companies that I did not receive the previous month 's statement of this they tell me they can not remove these charges because I could have accessed the statement online.I do not want online statements & the card companies are constantly reminding me that I can switch & go paperless.I think they are now trying to force the issue by periodically not mailing a statement & assessing & trying to collect fees for non payment
Complaint sub-issue: Information is missing that should be on the report

discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give
Complaint sub-issue: No notice of investigation status/result

I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which puts me and millions of other people at risk. I am also mentioned as a potential victim according to their XXXX website, and would like a resolution.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

I believe I am a victim in the Equifax data breach on XXXX XXXX XXXX. As far as I know, my Identity has not yet been stolen, and I placed a 90 day fraud alert on my file. I believe my personal data was managed poorly by Equifax, and that they should be held accountable for any damages that may befall me due to their negligence.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}