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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I'm requesting we address this first! 


GOT OUR HOMES XXXX XXXX XXXX XXXX Florida XXXX Dear Attorney 's, This company has me at the end of my strings. They owe me on a lease to own at XXXX XXXX XXXX XXXX XXXX ga XXXX. Of which after robbing me ( charging fees and taken money on a monthly basic for maintenance never proformed, withholding XXXX. Down payment and services I had to pay for on the property above our agreement ). Comes to a {$6000.00}. plus total they owe me. 


On top of this they have me in collection with Hunter Warfield XXXX XXXX XXXX XXXX XXXX FL XXXX contact number XXXX, account number XXXX for the sum of XXXX which on XXXX reviews they claim I missed 4 months, XXXX, XXXX, and XXXX XXXX.after a tenent misses the due date, due on or no later than the XXXX they will file evidentiary paperwork by the XXXX. The court stated, I was to move on the XXXX if XX/XX/XXXX I did that an have proved that my beings are in storage with XXXX  the amount is wrong. They also claim I stole something upon existing. I'm not sure what they're talking about but that's false as well. I counter claimed they owe me XXXX, during our meeting with the court mediator The house manager said XXXX XXXX XXXX they don't want anything from me but to get out. '' I did that XX/XX/XXXX. 


Attach is a few paper from the court and Hunter Warfield 's collection bill. I have a file I created for this company. I knew they were going to be a problem. 


They need a class action lawsuit. 


I'm a single XXXX woman who tries to work as well. I was deemed XXXX XXXX. 

I also was in a car accident XX/XX/XXXX where 3 cars ran into me. Which makes it extremely hard to work. 


I was able to keep a home for XXXX kids and XXXX dogs for 12 years. Until I made the great mistake of doing business for 5 years with GOTOURHOMES. 


HOMELESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was.

Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested in writing through certified mail for Equifax to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail ( report # XXXX ) stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party vendor named XXXX. They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. XXXX has also deleted this record off my file and I have confirmation from XXXX  attached showing the deletion. I also reached out to XXXX and they have deleted this record off my file in which I have attached proof of it. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like EQUIFAX and they said NO they dont. I have this letter attached as proof of equifax violation and failure to accurately and completely verfy this record with the original furnisher the bankruptcy court they have listed on my file.
Complaint sub-issue: Information belongs to someone else

Fraudulent inquiries that I didnt authorize that need to be removed
Complaint sub-issue: Account information incorrect

I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. Thank you.
Complaint sub-issue: Other problem

In the Financial year 2019, I had Citi Double cash with Citi Bank and that's the only service of theirs that I used. For the year 2019, I have received two 1099-B with proceeds totaling ~5000 . Both have a description " XXXX XXXX XXXX ''. I never did any such transactions with Citi Bank.
Complaint sub-issue: Billing problem

In 2012, I obtained a loan from US Bank to purchase a new boat. I have made regular payments over the life of the loan, and several years ago I started making principal only payments. I received monthly statements which indicated the principal balance outstanding, which I was steadily working down to the point this summer where the loan should have been paid off. My monthly statements for the past couple of years have always reflected " interest due '' of XXXX. When I got to within a couple of thousand dollars of having the principal paid in full, the bank claimed for the first time that there were thousands of dollars owed in interest. My monthly statements never reflected this. I requested a loan reconciliation/history of payments, which also shed no light on the interest now supposedly due. The explanation I received on the phone was incomprehensible, and I was assured there were no errors. Every time I call, there is a material difference in the sum they now claim to be the payoff amount. The bank has failed to disclose material information, and I have no confidence whatsoever in the accuracy or honesty of the amount they now claim is due.
Complaint sub-issue: Information is not mine

Credit Report Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I had two different collections agencies reporting on my credit report at the same time. The 2 collection agencies were XXXX XXXX XXXX and XXXX XXXX XXXX. Both claimed they were contracted by XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX who in turned advised me to submit a dispute especially since both collections agencies reported they were collecting from XXXX. I filed a dispute with XXXX  regarding XXXX XXXX XXXX and XXXX XXXX XXXX and they both were removed. Equifax  removed XXXX but not XXXX XXXX XXXX. I sent a certified letter to XXXX XXXX XXXX asking for verification and they sent me back a billing statement with my name and a XXXX XXXX as the address. This account is fraudulent and XXXX XXXX XXXX lack the burden of proof for it to remain reporting. I asked for ownership paperwork or an original contract which has yet to be sent to me. Equifax  is the only. bureau reporting this bogus collection.
Complaint sub-issue: Information belongs to someone else

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Equifax Credit Bureau sent me a letter stating that an account on my credit report for {$1000.00} was verified as accurate. I sent them a certified second letter on XXXX XXXX requesting that they show me the method of how it was verified with my signature. The credit bureaus have 15 days to respond back based on ( FCRA ). Equifax signed for the letter as received on XXXX XXXX and today 's date is XX/XX/19 and I still I have no response.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I
demand the accounts listed below 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. 

Accounts : Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number None provided Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all XXXX Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2017, I attempted to close my checking account at Key Bank and since the bank charges for a bank check, the teller suggested I take the amount in cash. I received {$3700.00} mostly in {$100.00} bills. I counted the money before leaving the teller and placed it in an envelope provided by the bank. I went from there directly to XXXX XXXX XXXX  to deposit in my savings account. When the teller counted my cash she immediately determined that one of the bills was counterfeit and confiscated it. They called Key Bank as a courtesy to check if they had any other bad bills. The next day I went to Key Bank to see what they would do and after profusely apologizing, they said the first thing they needed was proof that the bill was counterfeit. I stopped again a couple weeks later and was told that after checking with someone in a main office they were told that once I left the bank it was my responsibility, not theirs, and they were not going to do anything. 
The problem is, I know they gave me a bad bill, and the local branch knows they gave me a bad bill, but the official word is " We are not responsible ''. So I am out {$100.00}!
Complaint sub-issue: Problem with personal statement of dispute

I sent XXXX XXXX Equifax, XXXX, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Not given enough info to verify debt

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.
Complaint sub-issue: Information belongs to someone else

THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED IMMEDIATELY
Complaint sub-issue: Information belongs to someone else

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contacted Equifax multiple occassions requesting that fraudlent accounts and inquiries be removed from my credit report. 

Since the beginning of this year I have contacted Equifax 9 times asking to have fraudulent inquiries after the account was removed from my credit file. I was told to file a report with the FTC on three different ocassions because each report I submitted Equifax claimed that first the dates were not an exact match, secondly that I didnt spell the creditor name correctly and lastly that each complaint of the fraudlent inquiries have to be seperate line items even with multiple inquiries from the same creditor on different dates. 

After I sent the last FTC report I was told that inquiries are a fcatual record!! 


The following inquiries I have provided the reports : XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax
Complaint sub-issue: Account information incorrect

My credit report has inaccurate addresses and accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.
Complaint sub-issue: Billing dispute for services

XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in May of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.