Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts below to be remove, According to 15 USC 168 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

XXXX XXXX, an apartment complex that I lived in 7 years is charging to me to replace the carpet. The carpet was to be replace because of wear and tear
Complaint sub-issue: Information belongs to someone else

Someone had stolen my XXXXdentity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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
Complaint sub-issue: Debt was paid

I C Systems collection, is attempting to collect a debt I originally owed to XXXX XXXX XXXX. I had services with XXXX   XXXX  and they put XXXX XXXX XXXX on as internet service. The service I was getting from XXXX XXXX XXXX was so bad I couldn't keep the internet in a usable fashion. I then called XXXX XXXX and told them to cancel my contract because of poor service on internet. They did so. and cancelled my contract. Plus gave me a {$100.00} gift card for my troubles. This contract was cancelled withing a two week period. Several months went by and I got a collection notice from XXXX XXXX XXXX and I called them and told I had cancelled the contract because of poor internet service. The person from XXXX XXXX XXXX said he would clear the account and apologized. Several more months went then ICS sent notice. I had called them twice and no luck. Plus they did not want to hear my side. Since then I called XXXX XXXX XXXX several times and get promise would be taken care and I am still under collection. I tried all I know to clear this mess up but no luck. Now I am turning to you.
Complaint sub-issue: Information belongs to someone else

SEE ALL ATTACHED VIOLATIONS AND CASES PERTAINING TO MY CASE
Complaint sub-issue: Was not notified of investigation status or results

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. Equifax letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.
Complaint sub-issue: Debt is not yours

XXXX  ( ( Quadpay ) a online company with no phone number only chat or email response is taking XXXX dollars every 2 weeks for a item that was never purchased, I put a stop payment on funds, yet they changed amount and still collect from my personal bank account, they have refused to correct this for 30 days now
Complaint sub-issue: Was not notified of investigation status or results

I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
Complaint sub-issue: Problem getting my free annual report

I filled out online form for my free credit report with Equifax it did not go through they said they needed more information, I mailed them the information they requested and still no Free annual Credit Report from them or any other Credit Report. This is causing me a problem if there are items I may need to dispute as found in other reports. 
I would like this resolved
Complaint sub-issue: Information belongs to someone else

I am furious with equifax!!! I FAXED ON SEVERAL DIFFERENT DAYS MY REQUEST TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND THEY REFUSED TO REMOVE THOSE INQUIRIES AFTER I SUBMITTED A COPY OF MY IDENTITY THEFT REPORT WITH ALL THE INQUIRIES LISTED. THEY REJECTED MY FTC REPORT BECAUSE IT DOESNT GIVE EXACT DATE AND IT ONY SAYS THE MONTH AND THE YEAR, ITS NOT MY FAULT THAT IDENTITYTHEFT.GOV ONLY ALLOWS YOU TO ENTER THE MONTH AND THE YEAR OF INQUIRY. HOW ELSE AM ISUPPOSED TO WRITE THE EXACT DATE, AND ALSO IF I HAVE MORE THEN 5 INQUIRIES AND IT ONLY ALLOWS ME TO ENTER 5, I WROTE THE REST IN MY PERSONAL STATEMENT AS ADVISED. PLEASE HELP IN REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND MY INFORMATION WAS STOLEN AND USED TO TRY AND INQUIRE THESE ACCOUNTS.
Complaint sub-issue: Debt was result of identity theft

For the last year or two I have been getting repeated calls, emails, and debt collection from XXXX XXXX XXXX/XXXX. They are saying that I owe {$410.00} for service I had with them. I have stressed to them over and over that Ive never opened up an account with their company or never stayed at the address that was provided on file where the service was installed and used. This has become a problem because they keep issuing out the same collection under different agencies for the same revolving amount of {$410.00}. I have sent in documents and disputed the files online through XXXX  but they always come back under a different agency. Also, Ive even went to there website and filed out an affidavit and sent it to the office back in XX/XX/2020, but received no response if the documents had been received on their end { XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This debt was placed on my credit XXXX 2017 I do n't have a XXXX  phone someone has opened a account in my name.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I deposited an escrow refund check from XXXX XXXX XXXX XXXX  into my TCF checking account. 

The teller deposited my check, I withdrew {$300.00} from the {$2000.00} total and left the bank. 

Within an hour, my bank account dropped to - {$810.00}. I called the bank asking for an update about what could possibly be going on with the funds? They said that there was a " double hold '' on the account and that by the next day the remaining funds should clear as my available balance was {$1700.00}. 

Later in the evening, my account we down to - {$2100.00}. ( More than what was even deposited. ) My account was then frozen for the week. I was sent 3 different pieces of mail. One piece said that my account had been overdrawn by $ XXXX and that I would be facing overdraft fees. 

The next piece of mail said that the bank has placed a hold on the deposit because " it had confidential information saying that the check would not be cleared for deposit. '' But, that the funds would be available on XX/XX/2020. 

The last piece of mail was a " stop payment '' slip from TCF in the amount of {$2000.00}. 

I went to XXXX XXXX XXXX XXXX  and asked them if they stopped payment on the check. They did not. I did not stop payment on my check and TCF claims they did not stop payment, but to go back to the issue to ask. I did. They didn't stop it. 

I received a bank statement showing that {$2000.00} went into my account and {$2000.00} went out of my account. 

My account isn't shut down. I haven't been flagged for fraud. No one reported the check as fraudulent. 

I have had to go into TCF every month for at least 6 months to complain about overdrafts/unauthorized charges/miscalculations/money being deposited but taken out of my account for services I already canceled, etc.

Everytime, I received a placated answer from bank employees that literally turned my issues with the bank around on me ; ultimately making it look and sound like I just couldn't manage my finances or add correctly.

I'm done, TCF. Where did the funds from my deposited check go?
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fait Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX XXXX, {$360.00} and XXXX XXXX. The following accounts are lost/stolen and have fraudulent charges listed on the accounts : XXXX XXXX XXXX XXXX Visa credit card account : XXXX, XXXX XXXX  Visa credit card account : XXXX.
Complaint sub-issue: Contacted employer after asked not to

I have repetitively told them to not call me at work.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I purchased something for about {$230.00} from Best Buy. I was supposed to pay it interest free in 90 days. The first payment was a few days late, but I paid the balance in full. Citibank charged a {$27.00} late fee. I protested but paid the fee. Citibank said they would close the claim. However, they continue to charge {$27.00} each month, a late fee on a late fee on a payment made early. The late charges total {$130.00}. They have reported me to the credit agencies. This is a scam.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says XXXX ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says late XXXX ' XX/XX/2018 XXXX says late XXXX '
Complaint sub-issue: Debt is not mine

I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/X/14 {$2100.00} was put in collection without my notice
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, Equifax and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX  or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.
Complaint sub-issue: Personal information incorrect

I have called and tried to make the changes to my credit reports by XXXX XXXX equifax and XXXX. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items 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 reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Debt was paid

Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
Complaint sub-issue: Account information incorrect

This item XXXX XXXX account is inaccurate because there are reporting late payments when I actually the paid on time for that account. 

Late payments were report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Equifax. I made payment to Badcock on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I call W.S. Badcock in XX/XX/XXXX when I first noticed the errors on my account and the company made corrections on my account to show the payments was received and the account was current. The corrections can be seen on the XX/XX/XXXX to XX/XX/XXXX statement along with the past date amount is {$0.00}. This is the second time this company report inaccurate on my credit report. I file a dispute with EQUIFAX ON XX/XX/XXXX Confirmation number : XXXX and on XX/XX/XXXX Confirmation number : XXXX. Equifax failed to remove the inaccurate late payment report on my account. I have filed a third dispute on XX/XX/XXXX Confirmation number : XXXX. EQUIFAX failed to remove or correct the inaccurate on my credit report.
Complaint sub-issue: Debt was result of identity theft

My friend and co-worker XXXX XXXX, asked me to co-sign for a car loan. After agreeing to co-sign and providing him my personal information, he advised the loan was denied. Later I saw him driving a car which he then said was purchased by my self and his brother as his co-signers. I had never signed any papers and when I told him that he just brushed it off. 3 weeks ago I received a call from XXXX XXXX XXXX who introduced herself as My co-workers friend who was also on this loan and whom also never signed any papers. She was able to obtain a copy of the bill of sale and it appears that she is the primary and I am the secondary. XXXX XXXX is not on the loan. The signatures on the loan are not ours. A police report ( XXXX ) was filed. We spoke to XXXX XXXX, the GM at XXXX XXXX where the purchase was made as well as Ally Financial who owns the lean. We do not know where XXXX XXXX or the car is. The last conversation we had with him by phone in early XXXX 2017, he said he would turn in the car. That never happened.
Complaint sub-issue: Problem with rewards from credit card

Travel ID # XXXX. I cancelled this XXXX XXXX reservation and instead of the points being added back to my account, which is the proper most transparent thing to do, US BANK is giving me a credit of {$400.00}. The problem is you can't easily book another airline ticket on your own on their website. 

You are forced to call in to use your credit and the hold times are 2+hours. I have been trying to reach them for 3 days to rebook the trip. 

This credit process is broken and is a horrible customer experience. 

I still can't get anyone to help me to rebook a flight that I need soon.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 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 any purpose.

purpose.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX posted loan for XXXX On my report I try to resolve it myself but it is hindering me from buying a home for my family
Complaint sub-issue: Information belongs to someone else

My issue is with Equifax acknowledgment that I am a victim of identity theft. I have submitted documents required to have information removed from my credit file. I was told by Equifax fraud agent on XXXX XXXX, 2019 that accounts would be blocked and removed with Identity theft report displaying the accounts in question. I am reaching out to consumer financial protection bureau to assist me in resolving the matter.
Complaint sub-issue: Debt was paid

Hunter Warfield is continuing to attempt to collect a debt 5 months after they were informed by the creditor that the account was paid and never in arrears.
Complaint sub-issue: Old information reappears or never goes away

For The Past two years I've been trying to remove old Addresses from Equifax credit report. I've sent leases, utility bills and everything i could to prove that these address dont belong to me .but they always re appear with no explanation. 


The address in question goes as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a letter reflecting enrollment in XXXX XXXX, in which I was charged. The account ending in XXXX is not familiar to me at this time, but your letter from XXXX, OR stated all information I list here. The letter stated a Customer Reference # : XXXX Your letter to me is dated XX/XX/XXXX and was received at my XXXX on XX/XX/XXXX. Your letter had no phone number listed in which I could contact you ( I see it is listed on this webpage, which was ridiculously difficult to find, even with the web address you listed in the letter ).
Complaint sub-issue: Investigation took too long

Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.