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

This complaint is many of several. I just did this a few weeks ago only for all three credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXXXXXX XXXX XXXX XXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXXXXXX XXXX XXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, EQUIFAX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES EQUIFAX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, Equifax XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Experian refuses to correct negative accounts listed on my credit report. they are in violation of the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I was on CarMax looking for a vehicle. Just LOOKING As of today, XX/XX/XXXX, there are SEVEN hard inquiries on my credit report all submitted on XX/XX/XXXX by CarMax. I DID NOT enter my social security number on CarMax.com, NOR did I authorize this company to run my credit SEVEN times with SEVEN different banks. I called CarMax corporate today XX/XX/XXXX after receiving two out of seven letters from auto loan bank companies and one of the representatives had the audacity to ask me for my social security number!! I asked the woman " why do you need my social security number if your company already ran the inquiries without my permission '' and to that, she did not have an answer. I told her I did not feel comfortable giving CarMax my social security number at that point. This should be a quick fix! There is no reason why the company made me jump through hoops and hurdles for an issue that they could fix with the press of a button. I'm a young single mother who is in the midst of repairing her credit. I had a goal to BUY a vehicle in XXXX. But due to CarMax malicious intent, I don't see myself being able to accomplish my dreams sadly. I am completely and utterly devastated at the hit my score has taken because of this
Complaint sub-issue: Their investigation did not fix an error on your report

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Complaint sub-issue: Problem getting your free annual credit report

Equifax will not provide my credit report to my mortgage lender or myself. My lender tried pulling it on XX/XX/XXXX, and the information they were provided was that there was a freeze on my account for " fraudulent activity ''. I have called multiple times ; twice on Friday, XX/XX/XXXX, and once today ( XX/XX/XXXX ). I spoke with a customer service rep on XX/XX/XXXX, and they then transferred me to the dispute center in order to lift a dispute on my account. Both reps stated that my account isn't on a security freeze, and that I should be able to have my account pulled by XX/XX/XXXX. My lender attempted to pull my account twice since the XXXX, and they are receiving " file error '' messages from Equifax. I called Equifax today and spoke with a representative, but requested a supervisor because of the continued issues despite speaking with two reps, and they stated there were no supervisors available to handle my issue. After confirming my identity, the rep informed me that there is no freeze on my account, and that there is no reason that my report couldn't be pulled. I informed the rep that this isn't the case, that there is an issue on the Equifax end, not user error, but the rep kept insisting Equifax isn't to blame. I have researched this issue and found multiple other individuals having this problem with Equifax despite not having a freeze on their account. I am trying to get a mortgage financed, and because of Equifax 's incompetence, I am unable to move forward with the process. I need assistance with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, XXXX XXXX Equifax, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to Equifax, XXXX XXXX XXXX ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Old information reappears or never goes away

ProCollect has a negative account on my record. They agreed to remove this account from my record several years ago. This is at least the second time I have entered a dispute regarding this company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is fraud i have police report
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

I initially began my student loan repayment with XXXX utilizing their direct payment option. My loans were transferred to FedLoan in XXXX. I contacted Fedloan in XXXX of XXXX to request a recount of my eligible loans. No updates were given and no changes were made to my account. I again contacted Fedloan in XXXX of XXXX, no updates were given and no changes were made. I called Fedloan in XX/XX/XXXX and was told there was no person I could speak with as this is a separate department, and that I would need to wait upwards of a year and that I will be contacted when the review is complete. I was never contacted, so I submitted a complaint to the ombudsman in XXXX of XXXX. This issue remains unresolved. 

Per The Ombudsman I have a review open for the payment periods of XX/XX/XXXX to XX/XX/XXXX. As part of direct payment plan with XXXX ( as this supporting documentation will show ), I completed payments in the amount due, on time, in full from XX/XX/XXXX until XX/XX/XXXX when my loans were moved to Fedloan. From that point forward I have paid my loans with direct payment plan from Fedloan in the amount due, on time, and in full until the administrative forbearance imposed by the federal government due to COVID.
Complaint sub-issue: Problem with customer service

I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I  bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.
Complaint sub-issue: Account status incorrect

Equifax is reporting an account on my credit from a collection agency. 

Equifax is reporting that this account was opened XX/XX/2021. 

The amount of the reported account is {$1200.00}. 

The company that reported this account to Equifax is XXXX XXXX XXXX , XXXX.
Complaint sub-issue: Debt is not yours

I have recently obtained a copy of my credit report. Macy department Stores continously are choosing not to respond to me. This company is violating my rights as according to the Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) saying that I owe this alleged debt is an violation 15 usc 1692b 15usc 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692d harassing me harming my reputation and continuously advertising this debt.

15 USC 1692e 15 USC 1692f These are the violations that this company have violated.
Complaint sub-issue: Their investigation did not fix an error on your report

My Macys American Express decreased my credit limit from {$3500.00} to {$1800.00}, and never informed me about it. 
I was contacting this creditor and they said that I did not use the credit card so long, and that is why they decreased the credit limit. 
Then after that my credit score dropped 6 points.

I just was so sad about it and finally closed this credit card.

Amount decreased at the beginning of XX/XX/2021 I was contacting them in few days after Account closed approximately XXXX XXXX. 
I always pay my bill earlier. 
Now I have a mess at my credit history! 
Please help me to get it fixed. 
Thank you!
Complaint sub-issue: Problem with product or service terms changing

I found recently out a few weeks ago and today that I am a victim of Equifax data breach in XXXX and that I had until XX/XX/XXXX to opt out of the Equifax Data Breach Class action suit which would allow me to seek a civil lawsuit against EqFx in the future for any adverse effects I suffer in the future as a result of the data breach. This is not fair since, I did not get properly notified in XXXX since in XXXX I was preoccupied with NYS accussing me of back taxes I owed them. Then in XX/XX/XXXX, I discovered that XXXX has violated my right to equal protection under the law as an adult victim of child abuse neglect and maltreatment nonsexual child victimization through it's XX/XX/XXXX Child Victims Act exclusive protections for XXXXXXXX XXXX XXXX XXXXictimization only. At these XXXX times, I never received any notice in the mail concerning any data breach in XXXX nor any deadlines to opt out by XX/XX/XXXX. So I wish to make a complaint to the CFPB about this since I am experiencing XXXX eqfx data breach adverse events while trying to utilize eqfx services per my credit report file with eqfx and eqfx id questions are not questions i am familiar with due to the corruptive nature of it's data breach and misinformation which eqfx is relying upon to verify my id whether over the phone or it's website in order for eqfx to provide me credit services which is normally free for all us citizens. So now, eqfx gets to double victimize me both in the data breach which eqfx didn't protect me from being victimized from and now after the fact, eqfx refuses to let me opt out of the class action suit by failing to properly notify me of the opt out deadline so I can choose to opt out and bring a legal suit against eqfx to help deal with future losses I will face in credit discrimination as a result of the XXXX eqfx data breach.
Complaint sub-issue: Investigation took more than 30 days

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

i sent a le/tter out XX/XX/2020 with no reponse now by law it states the bureaus have 30 to respond and if not it must be deleted.
Complaint sub-issue: Account status incorrect

I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines.   XXXX   XXXX   is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am contacting you because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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: Report improperly shared by CRC

I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00}