Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I have reporting this before to Equifax and got no response. I have a police report and affidavit on file. 

Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX XXXX OF XXXX The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. 


Creditor Name : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. 


I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
Complaint sub-issue: Public record information inaccurate

I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks
Complaint sub-issue: Problem with personal statement of dispute

I submitted a dispute with Equifax for a medical collection I paid back in XX/XX/XXXX. I submitted the dispute online with Equifax and XXXX  on XX/XX/XXXX. XXXX  requested I mail supporting documentation, Equifax allowed me to upload supporting documentation. I provided the same documentation to both credit bureaus. I provided proof of credit card payment and an email correspondence with a lawyer which included the payment confirmation number. After 30 days the record was removed from XXXX ( XX/XX/XXXX ), however it remained on my Equifax report. I contacted Equifax on XX/XX/XXXX about the matter and they advised the creditor was still reporting the debt as accurate. I inquired about the proof of payment that I provided, and they advised that it wasnt attached to the dispute when they contacted the creditor and they would submit another dispute and it should only take about 7 to 10 days. I was on the phone 22 minutes with the associate. I followed up on XX/XX/XXXX and was on the phone over an hour and got disconnected. During that conversation the associate advised that the dispute didnt look like it had been submitted with the documentation. So yet again Equifax failed to get this resolved properly. The call got disconnected after 1 hour and 3 minutes. I called the medical creditor and they advised they have provided proof that this debt is no longer valid to the credit bureau on 3 separate occasions, 30 days after payment was made in XXXX, in XXXX and in XXXX. All these dates coincide with all the times I followed up with Equifax. I called Equifax a third time to try and resolve the matter with a supervisor on XX/XX/XXXX and she confirmed she had the documentation that showed proof of payment, however they will not remove the incorrect reporting debt because they claim the creditor said it was accurate and they want me to provide additional proof outside of what I've already provided. I am trying to buy a house and need this resolved immediately. I have done my due diligence in getting this matter taken care. The debt never appeared on XXXX, and was removed from XXXX upon review and dispute. However Equifax has failed to follow through with removing this from my credit report.
Complaint sub-issue: Company closed your account

XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. 
XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. 
XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. 
XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. 
XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. 
XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? 
XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. 
Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? 
Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? 
None of this was my fault. 

Thank you. 
Regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Public record

I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

With Equifax, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called Equifax multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX, I called Nelnet to determine what I needed to do to make my student loans direct to qualify for the XXXX relief plan. During the call I was informed my loans were already consolidated and no further action would be needed to qualify as direct loans. 
Today, I learned that was incorrect and the information should have informed me to apply for my loans to be converted to direct as I was inquiring about. 
The deadline for this type of application was expired on XX/XX/XXXX. 
Realistically, I face an enormous uphill challenge to prove to the XXXX of XXXX that I was incorrectly advised and to allow an exception to my loan conversation to still qualify. 
I have no mechanism to hold Nelnet responsible, which will cost me thousands.
Complaint sub-issue: Debt was result of identity theft

i was living with a roomate he was from XXXX. one day i came home and the guys move out taking mu personal stuff ID social security card and more documents and this person beside that he work with my social and let me wiht a big debt wiht the XXXX  and asking to any bill from XXXX XXXX XXXX to be Remove i have done these claim more than 5 time with the same account and they remove it and give it to another debt collect company! plase dont bother me anymore wiht this bill i dont owe be cuz i was a victing of identity theft Im just want let know XXXX physician to stop collect and bother me like 2 twice in a year since 2016 my Credit is importan to me! We can go to court if that want they want to!
Complaint sub-issue: Information belongs to someone else

Received phone calls last week on persons trying to open accounts under my name with XXXX and Citibank.realized only today an account was opened with XXXX XXXXXXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I received a email that my credit score went down and they found an open account. Someone recently opened a XXXX  account owing {$4000.00}. I never opened a XXXX  I only had XXXX  XXXX and just opened a XXXX acct. I tried to dispute the error but they said the information is correct. Some one used my ssn in XX/XX/XXXXto buy stuff with XXXX  its false and Im not paying {$4000.00} for something I didnt do! Who ever looked at my dispute need to look again anything I opened will be on my credit but XXXX  no it wasnt me.
Complaint sub-issue: Seized or attempted to seize your property

On or about XX/XX/2023 my car XXXX XXXX  was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this account.
Complaint sub-issue: Debt was result of identity theft

I did not authorize this account, nor did I benefit from them. I spoke to the original creditors by phone and the info they submitted to me does not match the info that this collection agency is furnishing. This is a violation of FDCPA. Under 15 USC 1692 I can seek {$1000.00} per violation. I am giving this agency one chance to remove this unverified info from my credit reports or I will seek litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # 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: Information belongs to someone else

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  , Equifax,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
Equifax 1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally
Complaint sub-issue: Company closed your account

In XX/XX/2020, Citi Bank closed my account due an exceeding of the 90 day policy. 
This is the first time I had ever been in this situation which was due to COVID19. 

I am a young entrepreneur, so I did not qualify to receive any of the XXXX Loans that were available to businesses. 

This put me in a financial deficit. Prior to this situation I have always made my payments on time. 

Citibank was running a program to assist people in financial burden, and I signed up for it. 

Due to the fact that I am young and I do not have a ton of experience dealing with credit, I did not know how to respond during this time. I did not know there was a 90 day policy that would case my account to be closed. 

I continued to call and speak with agents to let them know that I had every intention of making payments as soon as I was able to generate income. 

As a father, husband, and employer, I had to see to the protection of my family and staff. 

This has been a very difficult season to endure. I would hate to sacrifice the relationships I have worked so hard to build.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of accounts that do not belong to me : XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX