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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Complaint sub-issue: Application denied

Complaint : XXXX XXXX XXXX XXXX XXXX Credit denied/No reason informed Appeal filed/No answer - XXXX Personal Credit Score : Mid 700 Personal Credit Score affected by denial No reason for denial of credit Reason may be discrimination by reason of age
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}
Complaint sub-issue: Not given enough info to verify debt

I owned a XXXX XXXX XXXX. On the XXXX of XXXX XXXX I was stopped for driving with a suspended license. The XXXX had my car towed to XXXX XXXX XXXX XXXX and placed a 30 day hold. The amount was going to be very high to take out so I signed the title to the towing company so that they could lien sale it. After that, I never heard from the company ever again. No notice or letters giving me notice that I owed this amount. Then on the XXXX of XXXX XXXX I get this letter from the collection agency FINEX GROUP LLC Collection Services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I informed them that I disputed this debt. XXXX XXXX XXXX neglected to give me proper notice that this was outstanding.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX  XXXX : Account # XXXX | Account History Invalid - No Consent Given. 
Extra Credit Card : Account # XXXX | XX/XX/2022 - Inaccurate Payment History. ( This payment was not missed. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX | Account History Invalid - No Consent to report given. 
XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX | Account Payment history invalid - No written consent given - Account Paid in full Invalid Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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.

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.
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Complaint sub-issue: Debt was result of identity theft

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; If Equifax and XXXX feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$650.00}
Complaint sub-issue: Account status incorrect

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Didn't receive enough information to verify debt

Auto trakk never followed the law when it came to my voluntary repossession. I never received an intent to sell, I didn't know the location of the car or anything. I don't believe the amount on my credit report is accurate at all. Also, the account is closed and the last 2 months ' payments were updated as payments made., which I never made a payment. I believe they're doing this so the time of starts over. I've disputed this account 3 times for inaccuracies.
Complaint sub-issue: Personal information incorrect

On XX/XX/2020, I sent Equifax a letter with social security card and proof of address enclosed, allowing them the opportunity to remove inaccurate personal information and only report my correct address, name, social security number, date of birth and even my employer. I did not wish to have any telephone number listed on my report. I did not receive a response, so on XX/XX/XXXX, I sent another letter asking for the same thing since they have refused to report my correct information for months. I enclosed my drivers license and social security card as a final goodwill gesture to allow them to only report my correct personal information and remove all other inaccurate information. I received a letter which is attached from Equifax on XXXX XXXX refusing to remove all inaccurate information unless I send in Category 1 and  Category 2 documents for verification ( these are both documents I already sent, my drivers license and my social security card ). At this point I feel Equifax is operating in bad faith, refusing to remove inaccurate information. They are saying my documents must include the mailing address of XXXX, Ohio even though I live in XXXX, Ohio ( All my dispute mailings and IDs have always said XXXX, OH ). On XX/XX/2020 they mailed a letter to my correct address in XXXX, Ohio ( attached ), While the letter on XX/XX/XXXX ( after my personal information dispute ), where they refuse to remove incorrect information, they mailed the letter to XXXX, OH XXXX and not XXXX as they did on XX/XX/XXXX. I feel they are acting in bad faith and I have proof attached.
Complaint sub-issue: Was not notified of investigation status or results

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is  verified, but I do not know nothing about this company and has asked it be removed several times.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2022 XXXX  XXXX XXXX XXXX Inquiries XXXXXXXX Date of XXXX XXXX Date of inquiry XX/XX/2022
Complaint sub-issue: Threatened or suggested your credit would be damaged

my granddaughter and I rented an apartment at XXXX XXXX   XXXX. in XXXX  as she was going there for college. We trusted the girls that showed us a one bedroom apt , as they did not have a 2 bed 2 bath open at the time. We paid and put one on hold as we had to get back to XXXX. We were notified that apt , was  ready for move in on XX/XX/19 and they suggested we sign lease etc.online. we did what was asked of us when we arrived I signed more papers for them without seeing the apt . the girl then took us to a filthy apartment that had not been cleaned and smelled terrible. ( I have pictures ) We were told the cleaners were on vacation. As I tried to give her the keys back I was informed that we would have to buy out of the lease which would be $ XXXX.if paid that day. Now I check my credit and they have said we owe them more.I had given them over XXXX already. I reported them to XXXX consumer protection division fraud department They sent me a notice on XXXX XX/XX/19 letting me know there was no response from XXXX  XXXX  and I would have to contact small claims court with an attorney. I am a sick XXXX year senior on a fixed income trying to help my decesed daughters child get to go to college and we were took advantage of by these girls.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}
Complaint sub-issue: Problem with customer service

The issue is that Mohela customer service is unavailable to speak with me or provide me timely written communication due to overwhelming volume of those seeking XXXX. I myself requested XXXX from Mohela and I also have a specific request for XXXX. I submitted my XXXX  Application to Mohela, so I am confident that will be resolved. However, it is important that Mohela hear me and take my specific request, which they haven't been able to do, so that leaves me very worried. 

I am very worried that the {$20000.00} Debt Relief will be applied to 2 loans I have from XXXX. My XXXX Application shows that I have 9 years of public service toward the ultimate " forgiveness '' of those 2 loans from XXXX. So, as a result I do not want the {$20000.00} Debt Relef applied toward those two loans, I have several other loans from XXXX - XXXX which should have that Relief applied. 

I have submitted to Mohela in two occasions 1 ) the XXXX  Application for the loans from XXXX on XX/XX/XXXX and 2 ) a letter on XX/XX/XXXX explaining that I intend that Debt Relief not be applied toward the XXXX loans from XXXX for which I requested XXXX. 

My only hope is that Mohela takes these requests and processes them correctly before application of Debt Relief, because the prospect of having to undo Debt Relief on the 2 loans from XXXX and then having Debt Relief retroactively applied sounds like a nightmare.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I signed up for XXXX XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX, I cancelled my account and requested by email deletion of all stored personal and financial data. 

XXXX XXXX representatives are refusing to honor my request, stating XXXX XXXX has the right to retain possession of my personal financial data for two years. XXXX XXXX representatives are refusing to disclose the specific policy or regulatory entity that they claim gives them this power. 

I find it deeply concerning that XXXX XXXX XXXX emails to me contain no representative name, no links to the policy or entity that XXXX XXXX is alleging gives the company the power to keep, store, and otherwise use my personal financial data for two years following my initial request for account deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to complaint XXXX-XXXX, XXXX  XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX  XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Complaint sub-issue: Reporting company used your report improperly

Company claim they verified this On XX/XX/2018 I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Equifax to remove this account due undocumented proof.
Complaint sub-issue: Account status incorrect

I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit - $ XXXX/each in my state - with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. In addition, they are offering a " free '' service, that only lasts for one year ( after which I must pay monthly ). I 'm not convinced that someone trying to steal my identity or get credit in my name will be worried about waiting a year to start fraudulently using my information. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Public record information inaccurate

It has come to my attention that a debt that I do not owe is listed by a vendor who is not a subscriber to Equifax and the information being reported is an error. The inaccurate and unfair reporting is being done under the account # XXXX. XXXX and XXXX  have both removed this inaccuracy by Equifax continues to report erroneous information on my credit report by a non-subscriber who has not provided substantive data to back this misreporting. Immediately remove this item or provide a copy of the information that is being furnished to create this unfair and harmful error.