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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$23000.00}. 

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: Their investigation did not fix an error on your report

Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.
Complaint sub-issue: Didn't receive enough information to verify debt

When looking at my credit report on XXXX XXXX under enhanced recovery one bill was for XXXX and the other XXXX attempted to reach out to collection agency on XX/XX/30 asking for a deletion which agency states the do not delete only paid in full letter ... I will not pay for an account I have no knowledge of, secondly they can not provide validation of said debt, no signed contracts for the original creditor XXXX only a bill which is verification of debt not validation of the debt
Complaint sub-issue: Investigation took more than 30 days

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and the email address associated with my Square account is XXXX I set up a XXXX  and used Square to process payment for my XXXX. 

All of a sudden my account was deactivated by Square and my funds were held.

Square told me the date for availability of funds but they never kept to their word as they kept postponing it. When I reached out to Square, I was told that due to the disputes on my account they would hold my funds for extra 30 days. 

The balance on my account held by Square is {$4400.00} All disputes associated with my Square account were closed on XXXX XXXX XXXX but up till now Square has refused giving me my money. I will attach a screenshot of my account showing that disputes were closed over 90 days ago I have tried to resolve this with Square but they are not responding to me. I contacted Square a month ago and they refused responding to me, I also contacted them again twice today and they haven't responded.

Because of this, I am filling this complaint to enable me have access to my money from Square
Complaint sub-issue: Other problem getting your report or credit score

I submitted a validation letter to XXXX and Equifax XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Complaint sub-issue: Personal information incorrect

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX OHIO XXXX. My DOB XXXX My SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Debt is not yours

IN ACCORDANCE WITH FCRA XXXX  ACCT#XXXX, IS VIOLATING MY RIGHTS

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY
15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

XXXX XXXX XXXX  ACCT#XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THIS IS NOT A DEBT
Complaint sub-issue: Debt is not yours

XXXX/XXXX  not my account deceased fathers account with same name
Complaint sub-issue: Received bad information about your loan

I never received a bill and then I got negative reports on my credit that's effecting my credit..I called FED loan servicing and they said the report couldn't be reversed and it wouldn't show on my report because its a fed loan. was told this loan was going to be deleted off my report cause school went bankrupt.
Complaint sub-issue: Received bad information about your loan

During the XXXX and XXXX years, I tried to contact American Education Services about the loan they said I owed. They refused to correspond with my dozens of letters. I was in XXXX  for XXXX My mom had to contact them and they told her the interest would be deferred during my XXXX ( because I had no income at all ). They later told her the loans would be forgiven and considered paid in full. I now receive a letter dated XX/XX/XXXX, where AES is asking not only for the principal but an additional 11 years ( or so ) of interest. Furthermore, no one will tell me what this principal is in regards to. I paid off my loans completely. Today when I called ( XX/XX/XXXX ) was the first day that someone told me the vague response that it " was a grant that converted into a loan. '' I still have no idea what that grant was or why it converted to a loan. No one will tell me and I don't know the validity of it. 

I should also note that the letter they sent me says that the " loan ( s ) identified below, serviced by American Education Services ( AES ) and owned by the Pennsylvania Higher Education Assistance Agency ( PHEAA ), are in default. '' When I called PHEAA, they said I have no debt or active loans to them. When I questioned AES about this, they said that the loan is actually not owned by PHEAA ( despite what their letter states ).
Complaint sub-issue: Not given enough info to verify debt

I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt.
Complaint sub-issue: Deposits and withdrawals

My boyfriend sent two deposits to my checking account I have with XXXX its an app checking account their name on the app is pnc bank c/o XXXX and after the transactions were complete and available they froze my debut card so I couldnt access my funds. I found the XXXX XXXX  on the App Store and have had the account for over six months I had previous issues with deposits I had made but not like this where they are completely taking my funds. I followed their error resolution request but every time they responded they asked for something else or said they didnt receive the attachments they kept contradicting themselves over email so I called and spoke to five different supervisors and talked to the highest person they allowed me access to and all they kept saying is they didnt have authority to turn my card back on. In their terms and conditions it says they allow third party transfers I sent them screenshots of their terms and conditions. I called over five times and I asked to talk to someone who could help me but they said that department was only available through email. They just kept running me in circles so I finally emailed them that they were breaking federal law by not letting access my available funds and I was going to contact FDIC and banking regulators than today I tried to log onto the account and it said my account is closed so I have no idea where my funds are and need my XXXX dollars back
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have contacted Equifax a total of 4 times to get these inquiries deleted and each time they send me a letter stating the inquiries have been investigated and they are factual and the credit bureau also states the companies have a right to obtain my credit report without my authorization or consent. This is against the FCRA laws and I have contacted the FTC regarding this matter. The report number with be listed at the bottom. These are the inquiries that are listed on my Equifax credit report that were NOT AUTHORIZED by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The company has refused to remove these inquiries stating these creditors have a RIGHT to check my credit, which is untrue because I didn't authorize the credit checks. They also states the inquiries were factual and I would like proof of authenticity and proof regarding how these inquiries were verified to be factual. I have also filed a complaint against the credit bureau with the FTC. FTC report # XXXX.
Complaint sub-issue: Information belongs to someone else

I recently applied for an equity line of credit on my home and wasn't able to get it I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The following personal information is incorrect Account Number : Former : XXXX, XXXX The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect XXXX  XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX The following account is not mine XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Identity Theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Validate Account XXXX XXXX Account Number : XXXX remove it from my credit report. 

Validate Account XXXX Account Number : XXXX remove this inaccurate information from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX delete from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX XXXX Account Number : XXXX delete from my credit report. 

Identity Theft XXXX XXXXXXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft The status is incorrect for the following account XXXX XXXX  Account Number : XXXX delete from my credit report.
Complaint sub-issue: Problem getting report or credit score

I pay for credit monitoring through equifax and am also registered with credit karma. I have had credit issues in the past and am hyper vigilant now as I want to purchase a new home. Using these services, I was given a credit score by equifax of XXXX and credit karma reported my scores as XXXX and XXXX. BASED ON THAT INFORMATION, I applied for a mortgage loan. I received a letter about being declined from XXXX for the mortgage. The letter indicated that my equifax score was XXXX with the other XXXX being in the XXXX range. I made a hard inquiry on my credit based on the score that was given to me by the same agency that gave the mortgage company a much lower score. This inquiry will further lower my score and resulted in extreme embarrassment to me because had I known that the actual score was XXXX, I never would have applied for a mortgage. How can the agency that I pay to provide me with an accurate picture of my creditworthiness give me a score that is not used by credit lenders? Equifax provided me with the " vantage score '' rather than the " fico score ''. I feel that they are fraudulently representing their services, which resulted in an even lower credit score ( due to the inquiry ) and significant embarrassment to me.
Complaint sub-issue: Information belongs to someone else

To whom This may concern I never was in ambulance and went to the Hospital and XXXX and Equifax are reporting wrong information on my credit report. this is Identity Theft
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX (  XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Complaint sub-issue: Didn't receive enough information to verify debt

I was sent a collection notice by EOS CCA stating that I owed XXXX {$77.00} for a bill from years prior. I called both EOS and XXXX  for proof of such a bill and neither were able to supply me with documentation of what I was being charged for. The XXXX representative said they did not keep records after 2 years and were unable to provide me with the bill. I repeatedly called EOS for months requesting the documentation from XXXX and have yet to receive anything to this date. I will not pay a bill that can not be backed up by proof of service/no payment. Unfortunately, this has had a significant impact on my credit score as a result despite many attempts to resolve.
Complaint sub-issue: Their investigation did not fix an error on your report

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 
ERC provided a response dated XXXX XXXX and stated that CFPB regulation states a direct dispute must include sufficient information, etc. This is a stall letter tactic ERC provided. My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information. 

They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 

Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Complaint sub-issue: Don't agree with the fees charged

I have been trying for the past two years to get these loans forgiven because XXXX scammed me. The loan I have has been very unhelpful with me to the point where Ive had to hire a lawyer to help me get some things done. The loan company has also pretend to help me by giving me fake phone numbers and having me call a number that has nothing to do with what I need. 

I also have no degree because of this and can not get a job in my field. XXXX claims and told XXXX  that I graduated but there is no proof. The company that took over XXXX transcripts has no degree for me.
Complaint sub-issue: Inadequate help over the phone

I called and spoke with an manager and he stated that he would call me back so that I can make an arrangement to pay the car off but he never returned my calls or messages.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.