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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I initiated a CFPB complaint with XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 332 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX XXXX XXXX be deleted from all of the consumer reporting agencies that they are reporting to. 
I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 
I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate information. 
They have defamed my character for several years with this false and inaccurate information and have prohibited me from being able to extend my credit due to this misleading, false and inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax this was put on my credit report my question is why are you reporting to XXXX this this the third time you refuse to answer the question. three times I have asked three times you have dodged the question next I will file with the FTC validate this
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/1995 Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Complaint sub-issue: Personal information incorrect

PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.
Complaint sub-issue: Was not notified of investigation status or results

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems du e to the Fair Credit Reporting Agency Privacy Law.   On  XXXX   XXXX ,  2017 , I sent certified letters to the  XXXX , Equifax, and  XXXX  asking for documentation of validation associated with the bankruptcy.   To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
Complaint sub-issue: Can't close your account

I appied and was approved for a citi card. When I tried to activate it they sad I needed to fill out additional paper work which included sending a copy of my social security card. I did what was requested and now they are giving me a run around, saying that the zip code starts with a XXXX. They are saying I have to fill out even more paper work. They are refusing to close my card, they ran my credit there effecting my score and they will not close MY account. I am done dealing with them an I want this card CLOSED IMMEDIATELY. The last person who REFUSED to close my account her name was " XXXX ''? Her employee number is XXXX. Please help as I do not want to deal with this company any more.
Complaint sub-issue: Debt is not yours

I was billed by XXXX XXXX XXXX in XXXX New York for a total of {$82.00} for services dated XX/XX/2019 ( pathology related ) that I never received. I called the hospital multiple times for either proof of service ( medical record/lab results ) or dismissal of the charges. But the hospital did neither and eventually reported this fraudulent charge as debt to EOS CCA. When EOS CCA sent me a letter requesting payment earlier this year for the first time, I send EOS CCA a letter to explain the issue and told them it is not a legitimate debt. I also suggested EOS CCA to investigate the charge and notified EOS CCA my change of address in the same letter. However, EOS CCA is now sending me the bill to my new address without explaining to me whether they conducted any investigation into the legitimacy of the charge or the results of any such investigation.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 a mailed a formal letter to EQUIFAX requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX  Account # XXXX that is listed on my report. 

As of today, XX/XX/2020, XXXX  has yet to provide this information within the allotted 30 days. I request that Equifax delete this account from my credit report immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have already paid into the deferment through wage garnishment. My loans have been on hold for forbearance but while on forbearance they were still sent to debt collection instead of remaining on hold. I am afraid I will not be able to get future education help with this still standing as is. I am planning on returning to school this fall is possible. I have been off work every since XX/XX/2020 from the COVID 19 ffcva with a family member that was left paralyzed and unable to care for themselves at this time.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. 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 XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 87 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number 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 an account without my written instructions.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

My loan was transferred to LoanCare , LLC, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with XXXX XXXX prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.
Complaint sub-issue: Information is not mine

Dear sir/madam, as I was going through my credit report on EQUIFAX, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. XXXX I have never had any account with XXXX. XXXX They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
Complaint sub-issue: Deposits and withdrawals

US Bank requires a person to go to a lobby to wire money or get a cashier 's check. Fair enough. However, in my area ( XXXX Washington state ) all of their lobbies are closed, no one answers the phone to schedule a lobby appointment, and ( understandably ) there is no way to get a wire or cashier 's check from the drive through and ATM. I tried for days to get an appointment to get my money. US Bank 's branches in my area would not respond to me. They don't even answer the phone. Ever.

I am trying to wire or get a cashier 's check for about {$500000.00} to close on a house on a tight time line. US Bank has a XXXX XXXX of my money but won't let me get it. 

Requiring consumer to go to a lobby for a large transaction is certainly reason. However, I believe it is an unfair and deceptive trade practice for a financial institution to require consumers to go to a lobby to get their money - but then not open up lobbies for them to do so. It's like US Bank has the key to my {$500000.00} ( the ability to enter the lobby to conduct a transaction ) but won't give it to me - the net effect is that US Bank has my money and I don't, and they won't let me get it.
Complaint sub-issue: Account status incorrect

On XXXX, XXXX I bought a car form CarMax, in XXXX, CA. 
They arranged for the financing, and while I was the office I was given a financing offer. 
Then 2 days later the sales person called me and told me that they now needed an additional down payment in order to keep the interest rate as low as it was. I told the sales person that I didn't have additional money, and he then told me that interest rate was going to go up. 

I was XXXX years old and didn't know better, so I thought what they were doing was normal. I made my payments on time until XXXX, XXXX, and then I was unable to keep up with them. I called them and asked them if they could give me the deal they had given me at first, try to do something to help me stay current with my payments, but I never heard back from anyone. Instead, the collection department was calling my phone, non-stop, harassing me to get me to make the payments. 
I was so scared that they were going to take me to jail, like they said, so I went and dropped off the car back, thinking that would solve the problem. Now I have a bad report for that account on my credit, because of that. I am a single parent, and I struggle so much, trying to secure housing because of my credit report.
Complaint sub-issue: Debt is not mine

I received a letter from Afni , Inc in XXXX XXXX requesting payment for debt so I asked them in writing to provide me with a breakdown vial USPS mail of what I allegedly owe as well as documents from XXXX XXXX XXXX with my signature agreeing to this account as I suspected fraud. They never responded. After contacting the XXXX about this in XXXX, Afni now states that I have a past due XXXX XXXX XXXX account in the amount {$120.00} from XXXX ( yet they have listed this account as being opened in XXXX on my credit reports ) and included past due bills as verification that this account was mine. I expected to see an actual breakdown of how they came up with {$120.00} or notice from XXXX XXXX XXXX that has my signature agreeing to this service. They have not produced that information to me and by attaching bills, I believe they know this account is n't mine nor can they prove it but they want to bully me into paying a debt that I NEVER owned.
Complaint sub-issue: Account status incorrect

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Helm Associates to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Helm Associates has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Helm Associates has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ).

-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means a repossession should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Helm Associates has caused harm by illegally repossessing my vehicle and by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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: Problem with personal statement of dispute

With Respect, I am XXXX XXXX from XXXX XXXX. Today I have received my credit score report from Equifax. But as per credit score score report my total outstanding amount Rs. XXXX But as per my credit card statement it show Rs. XXXX You can see on attached file. 
As per practice of credit bureau they does not update individual credit score on monthly basis. 
Request you to take action on it.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

i called citibank and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau
Complaint sub-issue: Card was charged for something you did not purchase with the card

A person unknown to me ( " the fraudster '' ) was able to " capture '' my phone number, thereby disabling my use of my own phone and my own phone number ; then the fraudster was able to access the XXXX app on my phone, which contained usernames and passwords to three different retail credit cards. The fraudster called all three retail credit accounts, purporting to be me by " spoofing '' my phone number when he called my creditors asking for " new cards '' and " increased credit limits. '' Two of the creditors were able to verify immediately that the fraudster 's calls were not from me, and they immediately locked down my accounts and prevented fraudulent activity. 

However, when the fraudster called my THD/CBNA ( Home Depot/Citibank ) credit card account, s/he was successful in getting a new THD/CBNA credit card sent to the fraudster at an XXXX-area address, whereupon the fraudster promptly made {$2600.00} in fraudulent charges to my Home Depot/Citibank account. 

I have notified THD/CBNA by phone and by mail of the fraudulent charges ; made Identity Theft and Fraud reports to the FTC and my local police department, and sent copies to THD/CBNA ; disabled my stolen phone number and been issued a new phone number by my carrier ; made fraud reports to all three credit bureaus re the fraud and the unauthorized requests for increased credit lines ; and done everything I can to get THD/CBNA to remove the {$2600.00} in fraudulent charges from my account, as well as to correct THD/CBNA 's erroneous entries on my credit reports showing incorrectly that I applied for and was turned down for an increased credit line with THD/CBNA. Yet THD/CBNA has failed and refused to do ANYTHING except close my hacked account and open a new THD/CBNA account for me -- then THD/CBNA transferred all of the fraudulent charges onto my brand-new account!!!. 

My most recent bill from THD/CBNA shows all the fraudulent charges ( all made in XXXX -- far, far from my home address ) -- even though I have complained repeatedly to THD/CBNA that such charges should be immediately removed and that I should not be held liable for such charges. 

THD/CBNA has been careless and negligent in its gross mishandling of this matter and has been completely unresponsive the many communications from my wife and me about this matter. According to THD/CBNA, I owe them the {$2600.00} that a fraudster charged to my account when THD/CBNA negligently sent the fraudster a THD/CBNA credit card IN MY NAME!!