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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Investigation took more than 30 days

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX -Account Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late
Complaint sub-issue: Old information reappears or never goes away

It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Complaint sub-issue: Problem with fees

I have a promotional offer with a credit card, it is my understanding that all credit cards have this policy/rule/guideline. I have a balance transfer offer that I took advantage of, paid the transaction fee, and tried to pay prudently. 

XXXX XXXX at 0.99 % ; rate expires XX/XX/XXXX ; Balance around XXXX XXXX XXXX at 0.00 % ; rate expires XX/XX/XXXX ; Balance around XXXX I made a monthly payment around {$350.00}. So for the past XXXX - 12 months I have made an effort to pay off the XXXX XXXX so that I could have a XXXX balance come its expiration date. On XX/XX/XXXX, the rate increased to 19.49 %. 

However, it has been impossible for me to pay toward XXXX XXXX. Once my XXXX XXXX started ( likely XXXX XXXX ), the entire payment has gone to Balance Transfer # XXXX. I don't want it to go to # XXXX, I want it to go toward # XXXX. I CAN NOT DESIGNATE WHERE MY MONEY GOES. 

I have called twice over past 6 months to designate my payment to XXXX XXXX, but they can not put the payment toward that offer because there is a law? that requires the payment to go toward the balance with a higher interest rate. I asked the company ( Citibank ) to move the money due from # XXXX to # XXXX, but no, not without paying the transaction fee again. 

Clearly this Law? went into place to protect consumers, but they missed this caveat. So, as of XX/XX/XXXX - I have a XXXX balance on XXXX # XXXX, but my offer has 4 months remaining. I have my XXXX XXXX balance on XXXX # XXXX, now at an interest rate of 19 %.
Complaint sub-issue: Information belongs to someone else

There are numerous discrepancies listed on my credit report that I have no knowledge of. This was a result of identity theft of malpractice.
Complaint sub-issue: Charged too much interest

Made a purchase at a local XXXX XXXX XXXX in XXXX of last year. HD was offering a promotion. XXXX percent interest for XXXX mos on all purchases made over {$190.00}. Must use HD consumer card. Minimum Monthly payments required. I also requested a covid 19 assistance program where 2 months of no payments ( interests free ) would be added. Balance must be paid in full at end of 3 mos or interest would be charged. So, my final payment for the promotional period went from XX/XX/2020 to XX/XX/2020 at XXXX interest. My payment date is the XXXX of each month. Always made the minimum payment of more. Never noticed any interest charged on my account until I received my XXXX statement via email. Balance should have been {$44.00}. Was {$46.00}. I was charged {$2.00} interest on an interest free promo. Citibank offers credit for the the XXXX XXXX store card. I was wrongly charged {$2.00} XXXX. I am paying my balance off. I do not want a credit to my card or account. I want to receive a check for {$2.00}, since I already paid this.
Complaint sub-issue: Card was charged for something you did not purchase with the card

We received fradulant purchases from Macys Credit card, the purchase was made XX/XX/2019 and as soon as we received the statement in XX/XX/XXXX due XX/XX/2019 we called and registered the fraudalant claim of 2 vaccumms totaling XXXX. Our account number was stolen and we had just activated the card. It would of been the first purchase. We then contacted our XXXX XXXX company and then all credit bureaus and they immediately flagged our accounts. They will be flagged for a year which means it will be difficult to open any new accounts. Also we had not had any credit purchases with a Macys card in several years. 
When they sent us a new card we made a decision not to activate. XX/XX/XXXX which was received today XX/XX/XXXX that we will be responsible for all purchases. The letter states we received benefit from the charges made in this account, the facts of the investigation did not support your claim. We are law abiding citizens and we did not make these charges. What are our rights and how can we Prove we did not make these purchases. Sincerely, XXXX and XXXX XXXX
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX.  There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. Sears has since sold this info to XXXX XXXX XXXX and now they are harassing me.
Complaint sub-issue: Debt is not yours

I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$1500.00} on XX/XX/2021. I have no idea where this financing came from.
Complaint sub-issue: Account status

I am filing this complain against Equifax. Equifax made an error on the reported date data element on a negative report as a result of a short sale during the XXXX recession and has not make the correction, causing significant delays in my ability to get a mortgage loan at the current interest rate. The reported date of this negative account should be XXXX XXXX because the issue has been resolved and closed around that time. However, the date that Equifax shows on the reported date was XXXX/XXXX/XXXX, which was the date that I disputed them on another matter on this account. On XXXX XXXX, I submitted a dispute asking Equifax to change the reported date of this negative account back to XXXX XXXX. Today when I checked the status of the dispute, the date has been changed to XXXX XXXX, XXXX, which will eliminate me from getting a convention mortgage loan for next 7 years. This is so because lenders are saying that I have to wait at least 6 years for a conventional loan if you have a short sale on my credit report. It has been more than 6 years since the short sale, and I 'm trying to get a conventional mortgage loan. My credit scores are now above XXXX. However, lenders I talked to so far are unwilling to make a conventional loan offer because when they ran my credit reports through their system the reported date data element of Equifax on this negative report shows XXXX/XXXX/XXXX and now XXXX/XXXX/XXXX instead of XXXX XXXX. The other XXXX credit bureaus are fine because the reported date of the same account show XXXX XXXX. Because of the XXXX/XXXX/XXXX reported date and now XXXX/XXXX/XXXX on my Equifax credit report, I am unable to qualify for a mortgage loan. Equifax might not be aware that the reported date data element are being picked up by loan systems as the first date of a negative report. I am asking Equifax to correct this error and share this complaint with CFPB because I have a feeling that I might not be the only one. If XXXX others are impacted by this and ca n't participate in the housing market because of this data element error, I can imagine the impact of this error on the economy and the lives of so many households. Please get Equifax to understand that they are not just dealing with data. The mistakes they make have real consequences in the economy and people 's lives.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is regarding XXXX XXXX XXXX credit card and their inaccurate reporting of my account to the credit bureaus. 

I have submitted multiple complaints to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of which have been changed to reflect 60 days late for XX/XX/XXXX, then gone to 30 days late, then gone back to 60 days late. None of the investigations are taking my submitted information and proof of payment into consideration to see this reporting is incorrect. My payments are due on the XXXX of every month. I paid XXXX payment on XX/XX/XXXX. Which was late but not 30 days late. XXXX still reported this to be 30 days late. I sent Equifax proof of my payment date along with proof of my payment from XXXX on the XXXX. 

I have also contacted XXXX credit card on XX/XX/XXXX and spoke with an account manager XXXX, who looked into my account and said ON A RECORDED LINE that the reporting was inaccurate and she was putting notes on the account to have the 60 day late reporting changed and sent to the bureaus as well as waive the late fees on the account. This was on XX/XX/XXXX and she stated that XXXX was to be reporting on the next day on XX/XX/XXXX. She also stated that she didn't know when the bureau will update the information but that XXXX was sending the corrections. I also asked her to send me a hard copy letter stating this information, sash said she was having this letter sent. 

I have waited for the next update of my credit report from Equifax and nothing was changed to reflect the new information. I called XXXX Bank on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX, who again reviewed my account and said she sees where the late fees where waived and a letter was sent but can not see what else was discussed. I asked to have the phone conversation pulled to confirm the conversation snd the promise I was given b XXXX on XX/XX/XXXX. She put me on hold to see if a manger could review the call. After a few minute wait she said she was told that she needed to put in a complaint request to have the call log pulled and reviewed. My complaint # is XXXX and I was told that a manager will call me back within XXXX days. 

I went on my Equifax report again today and it is now again changed to reflect 60 days late for the month of XXXX of XXXX which changed from the previous 30 days late from the last investigation 10 days ago. This is a nightmare and there is no one to get ahold of at Equifax. The phone call just keeps going around and around with no way to get anyone on the phone. XXXX is giving me the run around and at the end of the day it is the consumer who is paying the prove for 7 years. 

Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) XXXX phone conversation log to be pulled for XX/XX/XXXX XXXX complaint request XX/XX/XXXX ( # XXXX )
Complaint sub-issue: Account status incorrect

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that  the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Complaint sub-issue: Attempted to collect wrong amount

On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$780.00}
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX/XXXX/2017 XXXX never received any bill to pay, no notice so i could validate as per fcra. Item just posted to my credit file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I mailed this letter off certified mail on XX/XX/2020 and I have yet to receive any correspondence from Equifax or XXXX. It has been over 60 days. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. I hope you find out whats going with this inaccurate information. Would you please clear this up quickly. A new credit report that reflects the updated credit report should sent. They should have completed an investigation within 30 days of receipt of this letter but they didn't and as a result this items must and have to be removed immediately. According to law unverifiable and inaccurate items must be removed and if you are unable to provide me with a verifiable proof within 15 days after your investigation, you must removed the accounts and or the information above. Also, I sent a letter to Equifax about and Incorrect, Unverifiable and Inaccurate Name and Address ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX ) and this must be removed because that's not my name nor is it my address.
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/2021. And now we are in the month of XX/XX/2021 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 THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #
Complaint sub-issue: Information belongs to someone else

Equifax has furnished information on my credit report that I did not authorize by written consent, therefor it is identity theft. They also exclaimed they need a copy of my social security card for " identification '' but a social security card is not intended for personal identification purposes. I should not be denied my right to have items removed for not disclosing my social security card or number.