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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$4000.00}, {$23000.00}, {$28000.00}, {$2200.00}, {$4700.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. AXXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax continues to report to the credit grantors that I was three months late at one time on my car loan. This is incorrect and false reporting. If I am two months late XXXX will re-possess the vehicle. So this is wrong and they continue to report it. They are also reporting wrong information about XXXX as well.
Complaint sub-issue: Account status incorrect

My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to XXXX XXXX and the 1st payment was due in XX/XX/XXXX. We set the payment up on XXXX online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over 9k. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and XXXX XXXX. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after XXXX XXXX to correct this.
Complaint sub-issue: Information belongs to someone else

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
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 purchased a washer and dryer from XXXX XXXX XXXX which were delivered on XX/XX/XXXX. While doing so the seller referred me to Acima Credit for a " Lease '' which would be 90 days same as cash. The dryer had some unsafe modifications done by the seller by attempting to convert a newer model XXXX XXXX XXXX dryer to natural gas. Basically, the dryer never worked. Under the agreement I have with Acima, they were to repair the equipment if at any time during the agreement it was not working. I contacted Acima Credit continually since the dryer was delivered and finally on XX/XX/XXXX I requested that Acima repair the dryer under the terms of the agreement. I advised them that do to the unsafe modification made by the seller, I would not allow the seller to be the company sent to repair the dryer. Acima explained that they didn't have anyone else to repair the dryer. Instead, Acima offered a settlement for a reduced amount equal to six payments of {$110.00}. 

I have made every payment on-time. In fact, I made 1 payment earlier than scheduled to put myself ahead of schedule. The settlement agreement was initiated by Acima due to their inability to perform their obligations under the lease agreement.

Acima sent me an email with a payment schedule, but they have never provided me with a copy of the " Settlement Agreement ''. I asked specifically if this settlement would impact my credit and the representative advised me to contact the Credit Bureaus. 
That doesn't make any sense. They have an obligation under the Fair Credit Reporting Act to advise me if this agreement would negatively impact my credit. 

Acima has falsely reported me as making 1 late payment in XXXX to the credit bureaus as well as the account being closed and settled for an amount which is less than what I owed, which is being viewed by the credit bureaus as negative reporting against me. 

I sent Acima a letter on XX/XX/XXXX and attempted to contact them through their chat feature today XX/XX/XXXX. I was advised that their resolutions dept. only accepts phone calls.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX CT XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX XXXX XXXX, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Need information about your loan balance or loan terms

I am a XXXX XXXX XXXXr and have applied for PSLF. My verification of employment was approved on XX/XX/XXXX. I was told it would take up to 90 days to process and count the number of qualifying payments have already accrued. As of today XXXX, XXXX, XXXX, this has not been done. I have repeatedly emailed FedLoan to ask when this will be completed and they keep telling me it takes time. I would like this to be completed so I know how many payments I have left before I qualify for loan forgiveness.
Complaint sub-issue: Other problem

We returned a stove and have a {$4300.00} credit balance. When we requested a refund we were told it would appear in our checking account in 5 business days. In 5 business days we received a letter stating that the refund would not appear because the name on our minimum payment of {$31.00} the month before doesnt match the name on the refund account. What does our minimum payment have to do with our refund? Shouldnt it be refunded to the account in the name of the credit card holder regardless? Are they just trying to keep our money. Feels like a scam. Please read the attached letter.
Complaint sub-issue: Account information incorrect

There are accounts on my credit report that are unauthorized and unverified
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2023 one of your financial lenders put an inquiry on my credit for rates on a housing loan without my consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close
Complaint sub-issue: Information belongs to someone else

Inaccurate information on credit report. Incorrect Social Security number XXXX XXXX  - {$1700.00} DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX XXXX XXXXDOES NOT BELONG TO ME HARD INQUIRIES-CITBANK NA., BEST BUY -DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX -DOES NOT BELONG TO ME HARD INQUIRIES -XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX  XXXX - DOES NOT BELONG TO ME
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXX since XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 
1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Complaint sub-issue: Reporting company used your report improperly

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Complaint sub-issue: Account information incorrect

The loan was received. A W-9 IRS form was requested nd also a 1099A for acquisition. The request was denied when it is the law to fulfill the request. 1099A was submitted along with 1099C for cancelation. The creditor still ignores the fact the acquisition took place and the account is settled.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX XXXX  XXXX reported on credit report XXXX Credit Plus reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
Complaint sub-issue: Debt is not yours

I never owned this debt with XXXX  but even after requesting this third party and XXXX XXXX, they continuously harassed and put me in collections. I always paid my dues on date and ended my contract in good terms.
Complaint sub-issue: Reporting company used your report improperly

This is a complaint about the handling of the security breach that happened XXXX XXXX through XXXX XXXX. 

The only protection Equifax is offering at no charge is for one year. This needs to be extended to life. It also should be provided from an outside source not related to any credit reporting agency and paid for by Equifax. This is because Equifax has shown they can not be trusted to keep the data secure. 

Equifax should be investigated about this breach and made to explain the delay in notifying the public. They should also be investigated for insider trading.
Complaint sub-issue: Having problems with customer service

Lost job loan went into default as I was securing stable employment. I requested loan consolidation during that process was immediately garnished by providing updated contact information. Consolidation was completed on XXXX/XXXX/2016 closing account with XXXX XXXX XXXX. However my employer did not receive release for garnishment until XXXX/XXXX/2016 therefore additional {$430.00} was garnished and sent to XXXX XXXX XXXX which subtracted an {$84.00} amount after account their account was closed Then sent {$340.00} to XXXX which I was told during various communications that payment would take care of XXXX payments. In this on going fiasco, and attempting due diligence to ensure my loan servicing agency receives this payment. Today was informed I 'm still responsible for my new monthly payment following their receipt of the of the {$340.00}. I am perplexed with the operation for these agencies, lack of consistent accountability of funds paid to date and miscommunications, misinformation of the agencies policy, release of information of personal accounting. If this were a financial institution providing a customer oriented service I would not do business with these entities. My request is accountable and consistent information across all agencies involved as it appears these agencies are profiteering off this federally program.
Complaint sub-issue: Information belongs to someone else

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX  XXXX account ending XXXX, XXXX  XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Complaint sub-issue: Reporting company used your report improperly

Since the Month of XXXX, I have sent numerous letter to the credit bureaus asking them to remove my bankruptcy. I have received a letter from the XXXX XXXX clerk verifying that my bankruptcy was not reported to the credit bureaus. I have sent multiple copies of this letter to the credit bureaus and they are refusing to remove the bankruptcy listed on my report.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have inaccurate information on all three of my credit reports ( Equifax, XXXX, and XXXX ) which I have disputed with XXXX XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to Equifax, XXXX, and XXXX to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Complaint sub-issue: Information belongs to someone else

I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The Home Depot, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from XXXX  that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to buy a car and Left my wallet at the dealership and came back and got it from lost and found, to my surprise when i checked my credit i saw all of these Fraudulent inquiries on my credit.