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

As of XX/XX/2022 credit reporting agency Equifax continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge Equifax needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Equifax consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Equifax consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Complaint sub-issue: Information belongs to someone else

XX/XX/2022 a collection was added to my XXXX credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. 

Supreme Credit LLC continues to " verify '' the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an " alias '' name reporting to my credit report with a last name and addresses i've never been associated with. 

COLLECTION AMOUNT : {$67.00} In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 12 CREDIT SUPREME LLC 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Information belongs to someone else

Coamerica bank FCRA violations not mine XXXX
Complaint sub-issue: Deposits and withdrawals

I can not Connect my bank to a third party app that helps with my finances and needs it for withdraw and deposit
Complaint sub-issue: Debt was result of identity theft

This was removed off of my credit report due to my identity theft and magically reappeared recently after it was proven there were fraudulent charges on my account with no resolution. My account was locked with XXXX  so my identity would have to be shown or proven and there were 4 fraudulent XXXX  added to my account and my account was changed without my permission in any way and they didnt do anything about it so I switched providers! How did it verify it was deleted off my credit report and now its there again?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I opened an account with XXXX XXXX in XXXX the account was closed. Its now XXXX and Ive tried to have the account removed from Equifax they stated they cant remove the account even though its well over 7 years. I called XXXX XXXX and they cant even find me because the account is so old. This information only exist on Equifax and not the other credit reporting companys. I want it removed from my account its well over the statue of 7 years and they refuse to remove it. I disputed it a few times. XXXX XXXX said they cant even write a letter to Equifax because my account doesnt exist anymore. Same with the XXXX on my credit report with Equifax. Account doesnt exist anymore since XXXX.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in 10 days. 

thank you kindly, XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX who is under a loan servicer called Loan Science have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Complaint sub-issue: Information belongs to someone else

I had the bank pull my credit report and found out that there are FRAUDULENT student loans on my credit I reach out to the company no response I have never attended school.
Complaint sub-issue: Attempted to collect wrong amount

This debt was cancelled by XXXX XXXX last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. XXXX should be aware of this tactic and get rid of this debt since this issue has been resolved.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to all Equifax, XXXX, and XXXX to validate a XXXX XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.
Complaint sub-issue: Account information incorrect

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. AMD while these things are technically true, it was via fraud on the company 's part.
Complaint sub-issue: Reporting company used your report improperly

Equifax has a duty to securely manage, protect, and maintain my personal information and the personal information of millions of other consumers. Equifax failed in its duty to protect my information and subsequently failed to publicly disclose its data breach in a timely manner to enable the general public to take additional precautions to protect their financial profile. Transparency and trust are required and Equifax is no longer a trustworthy business.
Complaint sub-issue: Debt is not yours

The collection agen cy Carter Young Inc failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. They did not produce the documents establishing liability to them. In US law encyc lopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Carter Young Inc o n  XXXX / XXXX / 17  and received a letter stating that my dispute was investigated and validated by the original creditor   XXXX    XXXX   XXXX , however, I did not receive validation, only a letter claiming to be validation.  Carter Young Inc ar e reporting invalid and inaccurate information on all  XXXX  credit bureaus :  XXXX ,  XXXX , and  XXXX .
Complaint sub-issue: Debt is not mine

The Law Firm of Hunt & Henriques have continue to harass me about a Debt that I do n't owe. They claim it was a judgement againt me since noted has been more that 10years old. I have notified them to cease and desist but they continue and it is causing me undue stress. I am in the process of hiring an attorney to exercise my rights undr the FDCA with fines for this unscrupolous harassment. I need this law Firm -Debt collection investigated and fined because they are violating the law. I never had any contractual agreement with this law firm. I am on XXXX and what this firm is doing is an attempt to take advantage of people like me.
Complaint sub-issue: Debt is not yours

After reviewing my credit report, and several dispute letters, this account remained on my credit report. I then contacted the collection agency directly, bypassing the credit bureaus, for the debt validation and additional information needed to validate this debt, they failed to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

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. 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and delete : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the 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, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I sent a letter requesting the 3 credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according t

o t he law. Every piece of information listed on my credit report is still not 100 % accurate.

The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I began making payments in XXXX of XXXX. I have consistently made payments without fail. I have continuously worked for a state during this time. I consistently filed XXXX verification forms for calculation purposes along the way, especially when I changed jobs in XXXX and XXXX. Consistently, it has shown that my final payment will be made XX/XX/XXXX. ( I wasn't going to debate a single month 's error. ) When I hit the seven year mark, where my bank would no longer have the records of my first year of payment, Fed Loan Servicing sent me a XXXX calculation showing that the final payment would be made in XX/XX/XXXX. Suddenly, the company is claiming that I was given a year 's grant and didn't make my first payment until XX/XX/XXXX. Neither of these facts are true. 

My job was eliminated in XX/XX/XXXX, and I specifically took a job in Colorado to keep myself in the XXXX program. During this move, my computer with my copies of the XXXX calculations showing my payments was damaged and the files can not be recovered. 

I have asked Fed Loan Servicing to provide me with all copies of the XXXX forms that it has provided me over the past nine years. It has refused to do so. It is ignoring my concerns and requests. I know student loan companies are unethical and predatory, but this is patent theft and abuse.
Complaint sub-issue: Trouble with how payments are being handled

I needed to re-certify with XX/XX/XXXX XX/XX/XXXX once a year. I did the work this year and the number that was given to me for a new payment was over 150 dollars more than what I was paying. I called and asked why this happened and they said that I only claimed 2 in my household instead of 4 people. So, while waiting for the paperwork to be fixed my bill was due. I paid what would usually have been due. I contacted someone else once the paperwork went through and told them that they kept saying that I had not paid my bill but I had. The amount I hadn't paid was what I was charged because of the goof up in my paperwork. The person I talked to said that it would be taken care of. 2 months later I am still getting messages about how I need to pay this off. I have contacted the company several times but they have not gotten back to me. It was through email because rarely do I call places because my kids always decide they want to start fighting or asking me questions when I am on the phone. If they have an email section they should be returning emails. I feel the lack of responding to the situation is very unprofessional.
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to Equifax in late XXXX. Over 30 days have passed and I have yet to receive a copy of my completed investigation results in the mail. I even sent a follow-up letter a couple of weeks ago, and that has received no response either.
Complaint sub-issue: Reinserted previously deleted info

A collection account from XXXX XXXX XXXX in the amount of {$62.00} was recently deleted/removed from my Equifax credit report, but has been currently reinserted by Equifax. I believe this to be retaliation for my contacting CFPB with a previous complaint regarding my credit score. An Equifax representative told me that this collection account was from a new collection agency. However, I explained to the representative that this was the same collection agency as before, not a new collection agency who sold it to another collection agency to be reinserted. At this point, I requested that the collection account be removed/deleted as before, but was told by the rep she could not have it removed. This collection account was initially removed/deleted on XXXX XXXX, 2016. It is now beyond the statutory 30 days for removal. A supervisor at XXXX told me that this account was removed from XXXX my XXXX and Equifax credit reports, for which they reported in XXXX 2016. I do n't recall the collection supervisor name at this point. 
In closing, I want the collection account deleted, and my credit score be adjusted to positively and numerically reflect the removal/deletion. 

Respectfully submitted,