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

i do not know how this individual obtained my personal information
Accounts:
XXXX XXXX XXXX
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

AFNI Inc
Account number XXXX

XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX
ACCOUNT NUMBER XXXX

XXXX XXXX
Account number XXXX


Inquiries:

XXXX XXXX/XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX/XXXX XXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received.
Complaint sub-issue: Problem getting my free annual report

I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call, I give the VERY SAME information I in-put on the computer. I believe I am being denied my legal right to receive my credit report on-line after submitting the proper information required. I am very unhappy with Equifax.
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 {$0.00}, {$0.00}.

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 Als
o 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Public record

I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I received another alert on my credit. Equifax put numerous comments it said on my credit report sense I started the complaint with Consumer Financial Protection Bureau. The comments that they put on my report cause my credit to go down XXXX points. They could not have done an investigation, it only took them 2 days after I filed the compliant to lower my score XXXX point. I am not a genus when it come to the credit bureau world but I know that can't be legal. I have a right to change the mistakes and fraud on my credit report. 
I have read that Equifax has had some coding issues but this is not right to attack my credit report due to my complaint. 

Filing a dispute should have not impact on my credit score but it did with Equifax. This is improper usage of my credit. 

If seems to me that Equifax is retaliating against me due to the errors and things that they knowing put on my credit report and I simply request that it be removed. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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: Account status incorrect

THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.
Complaint sub-issue: Overdrafts and overdraft fees

Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.
Complaint sub-issue: Debt was paid

This company has gone from XXXX, to XXXX, and now to XXXX. XXXX, XXXX, and the South Carolina Department of Consumer affairs ( Case number XXXX ) agree the debt has been satisfied. I have notified this company that they need to seek recourse with the employees of XXXX XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I tried disputing a transaction that I have made which was a total of {$54.00} purchase which was the date of XX/XX/2020 at XXXX. The Name of the company is XXXX. 

another thing is unemployment had put in my money for the month of XX/XX/XXXX and the money was never on my card and i called XXXX and they never answered the phone
Complaint sub-issue: Contacted you after you asked them to stop

In accordance with the fair credit reporting act XXXX account Jefferson capital system. Has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions. 

I have reached out several times to the credit bureau regarding the following account with professional debt mediation, because they provided me with a bill including someone else 's name but have this debt on my credit report.
Complaint sub-issue: Personal information incorrect

There are  XXXX  address on my report that does not belong to me, I 've never lived at those addresses,  XXXX  is a store front property after my investigation.   XXXX  Someone reported this information to the credit bureaus this month and it was NOT me.   XXXX  This is fraud.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX  XXXX {$290.00} XXXX  XXXX {$500.00} XXXX  XXXX {$140.00} XXXX   XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22
Complaint sub-issue: Debt is not yours

From XX/XX/XXXX to XX/XX/XXXX I was XXXX to XXXX and was out of the country again from XX/XX/XXXX to XX/XX/XXXX. Upon my return and several months later, I was denied a mortgage application because a company called Progressive Management Systems had reported a $ XXXX debt on my credit report ; something I had no connection with and had no idea about. 
I made several attempts to reach out to the company via letter correspondence due to my current location but haven't received any positive response from them. I made it abundantly clear that I wasn't even in the country at the said time of this so-called debt and have proof of my military orders as well as flight itineraries. I asked for due process by providing me with some proof of debt validation but have not received anything to that effect.
Complaint sub-issue: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX & XXXX account number 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: Debt was result of identity theft

I JUST HAD THIS COLLECTION ACCOUNT APPEAR ON MY CREDIT REPORT THAT I BELIEVE IS A RESULT OF IDENTITY THEFT THAT IV'E BEEN DEALING WITH FOR OVER A YEAR BECAUSE I HAVE HEALTH INSURANCE AND THERE IS NO WAY THIS IS MY ACCOUNT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) 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: Information belongs to someone else

Due to Equifax Breach back in XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all XXXX major bureaus - XXXX, equifax and XXXX. In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN and DOB. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX and XXXX. Both companies - XXXXXXXX and XXXX - already took measure and removed these fraudulent accounts from my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this XXXX XXXX should have reached out to me via phone and by writing a letter XXXX reported a late payment to my credit which dropped my score XXXX points I called XXXX and was told they never received the payment but how the agent informed me that XXXX was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX XXXX on XXXX XXXX, XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Equifax verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, XXXX. I also contacted the New York XXXX XXXX on the same XXXX & was also told that NO ONE from Equifax verified any type of bankruptcies.
Complaint sub-issue: Charged too much interest

Citibank N.A. issued a refund check on XX/XX/2018 for {$600.00} due to flaws in their methodology. They failed to review my account and issued a retroactive check. I called 6 times and I could not get an answer to the following questions : 1 ) What APR was used to issued the refund? 

2 ) Why has my APR not been lowered, currently at XXXX % The letter clearly states " Please note that Citibank NA has corrected the APR on your account '' I honestly believe Citibank continues to be in violation of Regulation Z, plus they are also not disclosing the APR used to calculate the refund.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

my information was exposed in the equifax data breach, its has gotten in the wrong person hand..
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct this immediately : XXXXXXXX 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
Complaint sub-issue: Public record information inaccurate

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to the credit reporting agencies. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Complaint sub-issue: Received bad information about your loan

I have four variable rate student loans that are serviced by XXXX XXXX XXXX. 
The lender is identified on their site as XXXX. 

I looked everywhere on their site to determine how my variable interest is calculated, and when late fees and interest kick in. I was in a position in XXXX where I might need to make a late payment for the first time in years. 

I could not find the variable rate information anywhere on their site. 
The only late payment information I could find indicated that no late fees would be assessed unless the payment was made more than 30 days late. 

I contacted XXXX XXXX on XX/XX/2019 and asked how my variable interest rate was calculated. 
On XX/XX/XXXX they responded, and indicated that my loan was linked to the 91-day T bill and that my payment was 3 days past due. 
That same day, on XX/XX/XXXX, I emailed them back to let them know I would make my XXXX payment on XX/XX/XXXX. 
They failed to respond, and did not indicate that paying on the XXXX would generate any fees or impact my interest rate. 

On XX/XX/XXXX my interest rate went up 1 % to 3.486 %. 
When I called XXXX XXXX on XX/XX/XXXX to ask what happened, they told me that because my payment was more than 15 days late the interest rate was now 1 % higher ... for the life of the loan. 
I was astonished, and emailed XXXX XXXX to complain further. 
They ignored my question relating to why they did not respond to my XX/XX/XXXX email where I explicitly told them I would make a payment on XX/XX/XXXX, and they confirmed that the 1 % interest rate increase was permanent, effectively charging me an additional ~ {$10000.00} over the life of the loan. 

I have attached the email exchange, and my latest statement ( pg. 2 shows the rate jump from 2.486 % to 3.486 % ).
Complaint sub-issue: Investigation took more than 30 days

I disputed the lates that were on my credit report from all the bureaus Equifax, XXXX   and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.
Complaint sub-issue: Information is not mine

Equifax refuses to block information resulting from identity theft.
Complaint sub-issue: Didn't receive services that were advertised

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.