Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

XXXX AND EQUIFAX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. XXXX AND EQUIFAX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX  AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX  NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..EQUIFAX AND XXXX HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. EQUIFAX AND XXXX USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid two accounts In full they reached out to equifax telling them to delete it I also have the email stating it was going to be deleted this was in XXXX of last year and its still reflecting on my report hindering my credit I also sent this to equifax disputing this on my credit report which is still on my report and they arent removing it which is a violation
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 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 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 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: Information belongs to someone else

This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my XXXX  report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time
Complaint sub-issue: Debt is not yours

On or around XX/XX/2021, I contacted XXXX in regard to, a mix of credit file information with my deceased father 's information. I filled out an identity theft packet, and I was advised : " the count would be removed from my credit file. ''
Complaint sub-issue: Information belongs to someone else

I have reported identity theft to XXXX. I sent them a police report identifying the Discover credit card account, and the other supporting documents that they require. XXXX has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than XXXX days ago. 

The Discover account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {XXXX} on it. I have also provided the police report and my statement to Discover about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within XXXX days. 

It is becoming a common problem that XXXX refuses to follow the law, and they are acting to harm consumers knowingly and willingly. Discover is also particularly bad at following the law and removing fraudulent accounts.
Complaint sub-issue: Investigation took more than 30 days

Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX  XXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX  XXXX complies with consumer law 15 U.S. Code 1666b.
Complaint sub-issue: Account status incorrect

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.
Complaint sub-issue: Account status incorrect

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Complaint sub-issue: Other problem getting your report or credit score

I have made numerous attempts to get my credit report over the telephone from the Equifax company. They confirm that I do not have any freezes or blocks. On the most recent attempt, they asked me to send a request in writing, along with identification. On XX/XX/2020, I sent a request to receive my credit reports. I have numerous errors on my credit report with the other bureaus, so I have to assume they show on Equifax also. I sent a formal report listing all of the accounts I believe to be an error. This past week, I sent another request, identifying several collections creditors that have not answered my validation requests in terms of the law. These items must be deleted. My complaint with Equifax is the following : 1 ) I'm still requesting to see a complete copy of my credit report and have yet to receive. 
2 ) I've received no answer from them about the errors I believe are being listed on my credit report. 
3 ) I now have several collections creditors that are in violation of the law, so I've requested to have these accounts deleted. 

I'm doing all of this blindly, from what I believe is on my credit report. Is Equifax still in business? Are they no longer required to follow the law? Why am I the only American that can't see my credit report.
Complaint sub-issue: Not given enough info to verify debt

This debt has not been verified. There were no contracts or signatures provided.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

A {$500.00} prepaid gift card was purchased from the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. In addition to the card value, a {$5.00} fee is also charged. Upon attempting to register the card at on their website at XXXX on XX/XX/XXXX, to be utilized on line, the card showed that all funds had been utilized. I immediately checked the transaction history for the card and saw charges that were not conducted by me or my wife. We immediately contacted the card company utilizing the number on the back of the card of XXXX and started a dispute claim. We were given a claim number of XXXX. They also blocked all access to the card so that we no longer have access to the charges in dispute. We were unable to make a police report without access to the charges. We were told a representative would contact us in 3-5 days, but that a resolution could take up to 90 days. After not hearing from the company in the 3-5 day time frame, I called them again on XX/XX/XXXX. At that time I was told we were given wrong information by the first representative as they do not follow up by phone. The representative told me that all of our paperwork had been received, and that we would hear something by mail within 90 days. I received a letter on XX/XX/XXXX. The letter stated that they had made a final determination on our claim, dispute claim # XXXX. Based on their investigation they concluded no error occurred, therefore no funds would be credited and the matter is considered closed. We are reaching out to them and requesting that they reopen the case. The card does come with a U.S Bank Gift Card Cardholder Agreement ( Effective XX/XX/XXXX ). Section 6 of said agreement lists their Zero Liability policy. The Zero Liability section states " You are generally protected from unauthorized transactions. However, if you do not tell us within 60 days of he date of the first transaction you believe to be unauthorized you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money had you told us on time ''. The first unauthorized purchase was made on XX/XX/XXXX. We reported the unauthorized purchase on XX/XX/XXXX. This is well under the 60 days in this policy.
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern : On XX/XX/XXXX, Equifax and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Delete this account and cease and desist with all collection activities. 

I AM NOT A CREDIT REPAIR COMPANY. 

ATTACHED IS THE COMPANY STATING THAT THEY NO LONGER ARE REPORTING THIS INACCURATE ACCOUNT. EQUIFAX IS REPORTING ACCOUNT THAT IS FRAUD.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX  to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX  to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX
Complaint sub-issue: Account information incorrect

At the end of the lease, we refinance the loan away from XXXX XXXX. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent XXXX XXXX a bill. This bill should have came to us. XXXX paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with XXXX XXXX. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the XXXX XXXX are showing a 30 and a 60 day late for XXXX and XXXX of XXXX we did not have a loan or credit agreement with XXXX XXXX at this time.
Complaint sub-issue: Investigation took more than 30 days

I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX  ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial.
Complaint sub-issue: Account terms

I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.
Complaint sub-issue: Information is incorrect

I have never authorized SageStream LLC to access any of my credit reporting. I have a freeze on XXXX, XXXX and XXXX   because I did have identity theft which I had to involve the police in the city I live in because someone was fraudulently using my information. I don't know who this sagestream company is and I don't want them, nor did I ever allow them access to any of my information and they refused to stop accessing my information without my authorization. They are impacting by reporting to my bank a low credit score over 200 points less than what my actual credit score is. They're providing information to companies that I have never submitted a request for credit through. This is fraudulent activity unauthorized by me that has to do with my credit.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Complaint sub-issue: Indicated you were committing crime by not paying debt

My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.