Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Public record

With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.
Complaint sub-issue: Information belongs to someone else

XX/XX/20 I submitted Identity Theft documents to Equifax, XXXX  & XXXX  about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my Equifax & XXXX  report even though I have notified them of Identity Theft in my name.
Complaint sub-issue: Debt resulted from identity theft

There is a debt on my XXXX credit file which indicates IC System as debt collected and also states CLOSED - PAID COLLECTION. I 'm not positive what that means but I have no debt and I never paid any collection.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeMultifamily XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act... 
The following Accounts .... 

Time payment XXXX XXXX XXXX XXXX services XXXX XXXX credit card XXXX XXXX card services XXXX XXXX Have all 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 consumer reporting agency can't furnish information on an account without my written instruction.
Complaint sub-issue: Account information incorrect

To Whom It May Concern : I recently pulled my credit report and noticed that you are still reporting this debt on my credit report. I have disputed this debt with the credit bureaus, and all three have verified that this is a good debt. 

I recently sent you ( XXXX ) A Notice of Direct Dispute, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. 
You failed to address the inaccuracies and Instead I was sent another collection notice from EOS CCA on your behalf asking for monies. 
I Validation/ correction request was Sent via XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Ive requested validation for this account before, and have never received it. To remind you, validation consists of : Complete payment history, the requirement of which has been established via XXXX vs. XXXX Itemized account of the debt, as established by XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX ) Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Your company has violated the following laws : 1. FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
2. FCRA 15 U.S.C. 1681b you did not have a permissible purpose for pulling my credit report. Under this section, you need to have a legitimate business need which is defined as the extension of credit, employment or insurance purposes. I also did not authorize pulling of my credit report. 
3. 15 U.S.C. 1681s-2 falsely reporting information to the credit bureaus. 


The listed items are entirely inaccurate and incomplete, and represent a very serious error in your reporting. I am maintaining a careful record of my communications with you and the credit bureaus for the purpose of filing a complaint with the FTC, the state attorney generals office, the Better Business Bureau, and of course ammunition in my upcoming lawsuit against you. 
This is the final request for debt validation before I file a lawsuit against your company under the provisions of the Fair Debt Collection Practices Act. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request in accordance with the legal principals of estoppel will be constructed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 


Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.
Complaint sub-issue: Personal information incorrect

I have so many information in my credit report such as names and employment and I have contacted and requested dispute to XXXX  but they never helped! please help
Complaint sub-issue: Information belongs to someone else

My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.
Complaint sub-issue: Account status incorrect

I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.
Complaint sub-issue: Old information reappears or never goes away

I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA XXXX.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I purchased an XXXX XXXX XXXX ( VIN # XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX. The car was financed for approximately {$26000.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA, XXXX, Phone : XXXX. The monthly payment for the car is {$600.00}. Currently, the amount due on the car is {$1500.00}. The car payment became behind effective XX/XX/XXXX. The car was repossessed by XXXX XXXX XXXX without warning or compromise on XX/XX/XXXX. I contacted the contact several times on XX/XX/XXXX to make financial arrangements to retrieve the vehicle. I was informed that {$2500.00} in order to retrieve the vehicle. I asked what was included in the {$2500.00} and I was informed that the past due amount of {$1400.00} ; late charges of {$60.00} ; and {$540.00} for the repossession fee. There is a {$490.00} from the total amount they gave me ( {$540.00} ) and the various fees. I was never told where the additional fees were coming from nor was I granted the opportunity to even pay the amount in order to retrieve the vehicle because I had someone else driving my car at the time the car was repossessed. I have been contacting XXXX XXXX XXXX every day since XX/XX/XXXX without resolution. I was informed on Monday, XX/XX/XXXX, that my request for retrieval was denied because someone else was driving the car when it was repossessed. Then I contacted the company on XX/XX/XXXX about making arrangements for the person to retrieve their belongings, I am told that I will be emailed a form for me to submit and it has to be approved. The financing is holding the belongings of the car hostage! Every time, I contact them I am transferred to several people and always end up with they are in meeting. Someone will call you back which no one never does. I went online to XXXX ( XXXX XXXX XXXX ) and found that the company has over 200 complaints against them regarding their predatory practices. I would like this company investigative in-depth and either the vehicle returned or any negative reporting on my credit reports regarding the purchase of this vehicle removed.
Complaint sub-issue: No notice of investigation status/result

XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX
Complaint sub-issue: Problem with fees

On XX/XX/2018 : Received paper bill From XXXX XXXX XXXX. Bill was a late bill. Amount of purchase was {$10.00}, but was unable to locate information about the purchase ( what it was ). Have previously received email bills. Called XXXX XXXX XXXX. Finally talked with a real person. Was told XXXX had sold services to Citibank. Was also told I had received a new XXXX, which I have not received. XXXX XXXX transferred me to Citibank. Was told this is an XXXX XXXX credit card and was referred back to XXXX XXXX. Via automated voice closed my account.

Summary of Account Activity : Previous Balance ... .. {$10.00} ( no date or other information provided ) Payments ... ... ... ... ... ... XXXX Purchases ... ... ... ... .+ {$10.00}.

Cash Advances ... ... ..XXXX Fees Charges ... ... ... {$11.00} Interested Charges ... XXXX ________________________ Past Due Amount ... {$33.00}
Complaint sub-issue: Debt was paid

XX/XX/2020, I sent a letter to Jefferson Capital Systems, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with XXXX  and XXXX, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX 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.
Complaint sub-issue: Account status incorrect

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX  via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Complaint sub-issue: Frequent or repeated calls

National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. 
This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. 
My customer number with NRA is XXXX
Complaint sub-issue: Other problem getting your report or credit score

I received a letter from SageStream LLC stating that I had requested my StageStream XXXX XXXX score but I have not requested such a score. The description of the key factors adversely affecting my score were incorrect and incomplete. I have requested a copy of my credit report which sage stream has refused to provide. Theyve also refused to provide any information about any creditor or potential creditor that they provided information to
Complaint sub-issue: Received bad information about my loan

I have had a private student loan with your company since XX/XX/XXXX and for 7 years, never had a late payment. I recently discovered that I had a 30 day late mark for my XX/XX/XXXX payment. I also received a collection notice from XXXX XXXX for the entire balance of my loan. My mother has had these payments for this particular loan since it originated and from what I understand, the loan was on autopay. My mother, XXXX XXXX XXXX, was able to get the balance on the co-signed loan up to date in XX/XX/XXXX but not without consequence. My mother 's and my credit report and score suffered significant damage from this negative remark due to the late payment. 
What I am asking of your company is to consider our prior history of on time payments and remove the negative remark on both of our reports across each of the three major credit bureaus ( XXXX, XXXX and XXXX ). My credit score dropped about XXXX points and I make it a point to ensure my payments on time. Part of my good faith effort to reconcile this issue is to update my contact with our company so I may be able to monitor this account more closely in case my mother is not able to make a payment.
Complaint sub-issue: Personal information incorrect

I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.