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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX 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 Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact Equifax about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX Auto XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct  information please investigate this thank you.
Complaint sub-issue: Banking errors

On XX/XX/2022 Banner Bank withdrew XXXX} from my checking account without advising me why they took the money. I have called the bank but have not received an answer. Through telephone contacts with the bank, nothing in writing my mortgage payment is going up XXXX per month and the home insurance is going up XXXX per month, again nothing in writing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Account 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 an account without my written instructions.
Complaint sub-issue: No notice of investigation status/result

On XX/XX/2015, I filed an dispute with Equifax and advised Equifax that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Equifax that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Equifax my mailing address is XXXX XXXX XXXX Detention Center ( MDC ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Equifax. Subsequently, I filed a second dispute with Equifax on XX/XX/2015, and advised Equifax that they never responded to my dispute dated XXXX, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Equifax that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, NY XXXX. I never received an response from Equifax.
Complaint sub-issue: Old information reappears or never goes away

requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under Sallie Mae? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? Sallie Mae couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.
Complaint sub-issue: Account status

I disputed similar, XXXX have even been the same, information with Equifax and the companies 6 months ago as well. XXXX is reporting the information correctly now, so I believe the issue is with Equifax. 

There is incorrect information being reported on XXXX of my closed accounts. All three accounts are negative, because they were included in bankruptcy, but Equifax is also reporting that the XXXX accounts have 'Date of First Delinquency ' and XXXX of the XXXX also show information for 'Date Major Delinquency First Reported '. At no time have any of the XXXX accounts been delinquent. Prior to bankruptcy all three accounts were paid as agreed and paid on time, so I would like the information to be reported correctly. 

The last time I disputed this with Equifax they responded by saying that the information had been verified, but it should not have been. Bankruptcy makes the account negative, it 's considered derogatory, but 'delinquency ' means it is not being paid as agreed ( not right amount or not on time ). This should be clarified with Equifax ( they wo n't listen to me ) and the incorrect information should be removed from my report. 

Supporting documents have been attached below. They include the confirmation of my current dispute with Equifax, screen shots of the XXXX incorrect account reports, documents showing those payments were made on time and not delinquent for all XXXX accounts, and the most recent and complete reports from Equifax and XXXX so it can be seen how they are reporting differently.
Complaint sub-issue: Debt is not yours

Hi XXXX, XXXX XXXX, attorney Rausch Sturm Israel ; XXXX SPOKE WITH XXXX XXXX XXXX EX : XXXX I just got off the phone with your representatives at XXXX and then got transferred to the attorney 's office of R.S.I and spoke with XXXX XXXX XXXX After validating the debt with both of them, she mentioned that my personal information is all incorrect, such as DOB and my last name. XXXX XXXX at the attorney 's office mentioned that you guys have my DOB as of XX/XX/XXXX, but my correct DOB is XX/XX/XXXX and my last name as XXXX, which my last name is XXXX. I've disputed this account in the best with every, and they failed over and over again to remove it from my credit report or even furnished all the required documents. Sending me bunch of pre-printed statements doesn't truly validate the accuracy of the account. XXXX XXXX mentioned that she will flag the account and remove it from my credit report effective soon. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Account information incorrect

I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX XXXX - XXXX XXXX  Equifax XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I WAS REVIEWING MY CREDIT REPORT AND I SAW ACCOUNT WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY INFORMATION AND APPLIED FOR THIS. I DON'T HAVE ANY SIGNATURE OR AGREEMENT WITH THIS COMPANY.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX my dates are off a little but 3 years is a lot to long to wait to report it late payment
Complaint sub-issue: Reporting company used your report improperly

I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.
Complaint sub-issue: Attempted to collect wrong amount

A check was sent to XXXX XXXX from a third party with the intent to pay off my account in full. The payment was sent on or about XX/XX/XXXX to the payment address listed on the XXXX XXXX website. 

Approximately 2 weeks later, the payment was returned in the mail as undeliverable. I sent a message through the XXXX XXXX website regarding the returned mail. I was advised that the address on the website was wrong, I was provided with a different mailing address. It was suggested I take the payment into a store. 

On approximately XX/XX/XXXX, I took the check into the XXXX XXXX location at XXXX XXXX XXXX in XXXX. Two sales associates and two managers assisted me and could not figure out how to process the payment since it was from a third party. They suggested it be mailed. 

On approximately XX/XX/XXXX, the payment was mailed to the address provided by XXXX XXXX.
Two weeks later, I had been charged additional interest and a late payment and the check had not been processed. I contacted XXXX XXXX through message to find out why. It was suggested that I wait a few more days ( 10 business days ).
AT 13 business days, the check had not been processed. I contacted XXXX XXXX to find out why or to see if it has been lost and if payment should be stopped. 

I was advised that the payment was located and would be applied to my account within 5 business  days. I requested that late fee and interest be removed since they had the check in their possession and had refused to process it. 

As of today, I have again been assured that they have received the payment, even though it has not been processed. I have also been advised that the late fee and interest will not be removed from my account. 

Since XXXX XXXX has declined to accept or process the payment in their possession, I believe it is only fitting that they should not be allowed to charge interest or late fees to my account.
Complaint sub-issue: Public record information inaccurate

I received feedback from LexisNexis referencing an address where I told lexisnexis that my identity was stolen, and used, the furnisher pacer has stated that they do not supply addresses, please remove this inaccurate ch XXXX bankruptcy # XXXX account from my record, I will include the ID THEFT packet to show that my identity was stolen, along with the local police department and FTC report
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted to resolve this issue multiple times. The items listed below are not mine nor factual as Equifax has claimed. I was a victim of identity theft and filed a report with the FTC as a result. That report has been provided to Equifax. Equifax is claiming the items listed below are factual, they were not completed by me, but someone who stole my information. 

Again, After review of my EQUIFAX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted an affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status incorrect

I'm filing this complaint against XXXX XXXX XXXX and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a 2021 XXXX XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. XXXX continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted XXXX and informed them that I always make my payment on time and they need to rectify their records and report accurate information. XXXX claims that they never received a payment. I have made my payment as I said always. XXXX claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact XXXX before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.
Complaint sub-issue: Debt is not yours

Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX is great except a XXXX owed to sears master card on my credit report dont know how i could charge XXXX grand at sears and we dont even have a sears store in wi. for prob 3 years then 6 days later this letter from XXXX XXXX XXXX XXXX XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX XXXX XXXX. inc. acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after sears stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX wi XXXX
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax multiple times, the most recent being XX/XX/2021 about inaccurate, erroneous, and highly injurious accounts being reported by their company. I have not received any response or resolution on the matter for over 30 days after it has been confirmed that they have received my dispute. I have records and receipts of every time I have contacted Equifax and they have violated several clauses within the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Complaint sub-issue: Didn't receive enough information to verify debt

I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with Citifinancial. Citifinancial put the judgement on the real property then sold the debt to asset acceptance who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XX/X/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. 

XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
Complaint sub-issue: Account status incorrect

CITI BANK IS ILLEGALLY RE AGING THE ACCOUNT THAT WAS OPENED IN XX/XX/XXXX AND FIRST DELINQUENCY WAS IN XXXX NOT XXXX AS REPORTED TO STAY LONGER ON MY CREDIT REPORT. 
I HAVE CONTACTED THEM AND THERE IS NO RESPONSE.
Complaint sub-issue: Problem accessing account

I receive payments from the VA in VHA which are being withheld by Coamerica bank without my knowledge me in without reasoning to why
Complaint sub-issue: Debt was paid

this company Americollet is in violation of my hipaa Rights and all of these accounts held in data needs to be deleted immediately or else law suit will be processed. Unauthorized accessing of PHI is illegal an should be punished to the highest extent.
Complaint sub-issue: Old information reappears or never goes away

XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.