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

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.
Complaint sub-issue: Information belongs to someone else

Mailed in documents to Both XXXX and Equifax. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

! 5 U.S.S 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 is not yours

I.C. System INC at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting a collection with a past due amount of {$270.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX is a collection agency located in XXXX, New York between XXXX and XXXX I was relentlessly harassed and threatened until I filed a complaint with the New York and Ohio Attorney general 's office as you can see from the document I'm submitting they not only called and harassed me but they called and harassed my elderly father and brother threatening to have me thrown in jail. The outcome was that XXXX XXXX XXXX put a cease-and-desist on my account and no further contact was to be made with me and when I would decide to settle the debt when I could. As retaliation XXXX XXXX XXXX sold this account to another credit agency UHG I LLC without my knowledge. UHG I LLC is now suing me for the debt. The original creditor of the debt is XXXX XXXX XXXX for the amount of {$2200.00}. In the court summons UHG I LLC is threatening garnishment. I have had no contact with UHG I LLC regarding this debt until I receive the court summons on XX/XX/XXXX. There has been no attempt to collect the debt from UHG I LLC. I don't even know who they are. Last I heard the debt was with XXXX XXXX XXXX. In the court summons UHG I LLC submitted a bill of sales for this account on or about XX/XX/XXXX not from XXXX XXXX XXXX but from the original creditor XXXX XXXX XXXX XXXX to UHG I LLC which is untrue. It just seems like the debt is being bought and sold from XXXX debt collection agency to another without my knowledge until finally it got to a debt collection agency UHG I LLC who would who would sue me for the balance this company is known to sue people and XXXX XXXX XXXX knew what they were doing when they sold the debt to them. XXXX XXXX XXXX did not want to resolve debt. On multiple occasions I made attempts to settle the debt before it went to collections with no resolve. The debt was sold XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX without my knowledge then it was sold from XXXX XXXX XXXX to UHG I LLC without my knowledge who is now claiming that they've bought the debt from the original creditor XXXX XXXX XXXX  which is a lie.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been unlawfully furnishing information on my report. I've reached out on three separate occasions. I have included both my driver 's license and a utility bill to verify personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX, I fell behind on payments with this company due to my income being negatively impacted by XXXX. After losing my job, it was impossible to find a job to make payments due to being on lockdown. My XXXX also fell gravely ill with XXXX and my family almost lost her. Despite this, I scrounged up some money to begin making payments towards Discover, even going so far as to use a XXXX relief grant from my school to pay off the remainder of the balance. In XXXX of XXXX, after my XXXX had made a full recovery, I was able to focus on other things and reached out to Discover explaining my situation and inquired if they could remove the late payments from my credit report. I received an automated response denying my request and no investigation whatsoever.
Complaint sub-issue: Account status incorrect

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Complaint sub-issue: Account information incorrect

For the past several months I have been trying to resolve this issue with Equifax XXXX XXXX XXXX XXXX '' with no success. This issue is causing financial and emotional stress and needs to be corrected asap! Negligence of this final complaint will force me to pursue legal action as I have been trying to resolve this for almost half a year now. I came to a settle in full agreement with XXXX XXXX on XX/XX/2021. Attached is the settlement in full letter I got from XXXX. XXXX is still reporting a balance owed. Due to the clear and obvious error on XXXX XXXX end of not properly reporting a zero balance, the only way to make things right is by deleting this account entirely from my credit.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute to credit bureau about a collection ( XXXX ) and I have not received a response back or any results.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to 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 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 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: Information belongs to someone else

This Bk does not belong to me and it's ruining my credit.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Complaint sub-issue: Was not notified of investigation status or results

Very bad company with their system Im a victim of fraud identity theft and disputed fraudelent hard inqueires their system sent me a letter in the mail after I sent them a FTC report by mail police report since they told me they need it to have it removed then I got a letter from them with dispute results saying all hard inquiries have been removed from my credit report then I go to see and its still reporting system dscroenecy this is unfair to me last time their office of consumer affairs had to remove this manually and apologized to me for their system doing this to me putting the inquiries back after telling me sending me results showing deleted
Complaint sub-issue: Debt was paid

Debt was not owed. Company has been reporting false information on my credit report.

Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint that XXXX XXXX XXXX XXXX XXXX violated the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. app. 501-597b
Complaint sub-issue: Account status incorrect

I want a Reinvestigation line by line done on these accounts becasue it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both opened and closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX, Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX Account # XXXX, XXXX, Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Complaint sub-issue: Information belongs to someone else

Equifax is not blocking accounts on my credit report which are fraudulent. I have submitted a FTC fraud report to them, sent an affidavit which the bank requested & sent them numerous letters which demonstrated I was the victim of identity theft. Equifax continues to not comply with FCRA & I believe are willfully noncomplying. There are numerous XXXX accounts reported to my credit report which are fraud & I'd like them removed. The bank has already discharged these accounts internally so I have no idea how they claim they're being verified ... I need these accounts removed from my account at once ...
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Equifax and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.
Complaint sub-issue: Information belongs to someone else

I have fraudulent information on my credit report. Almost my entire credit report is fraudulent. I am unaware of these accounts.
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 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. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new
Complaint sub-issue: Credit inquiries on your report that you don't recognize

us bank was not authorized to check my credit
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Equifax XXXX XXXX XXXX assisted in my name and credit report being used fraudulently by violating the following FCRA code. 

FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

SEE ATTATCHED
Complaint sub-issue: Trouble with how payments are being handled

This is my most recent communication with FedLoans. It summarizes the most pertinent issues. 

Hello. This will be the third time I've emailed about the same issue. I have not received a response in writing, and I have made two phone calls about this issue. I'm including the original message I sent and the dates of the phone calls. I am HIGHLY unsatisfied with the level of service I am receiving from FedLoans as a student loan servicer. The representatives are unable to complete the plans we agree to on the phone. I will be looking into making formal complaints about your services and adequacy in overseeing loan repayment. If you are interested in addressing this grievance, please contact me. 

Hello, It looks like your records show I am late in making my XXXX payment. 

I received my first statement from you in the mail today, dated the XXXX of XXXX. My bill is due on the XXXX of each month, and my payment to XXXX has already processed. I am not late in my payment, nor could I have known where to send payment prior to your notification. I have documentation showing that my statement from XXXX called for a payment on my loan by the XXXX of XXXX and that the payment has been made. Please let me know if you need copies of these documents to correct the error on my account. I will not accept " late '' status on my account, as I am current on my monthly payments. 

It also sounds like your records show I have not completed or been approved for the Income Driven Repayment plan in 2019. 

I re-applied for the Income Driven Repayment Plan in XXXX of this year, and received approval for the Income Based Repayment Plan in my XXXX inbox dated XX/XX/XXXX. I'd be happy to supply the documentation that shows my renewal has been approved for 2019, please let me know if you need this documentation as well. I will not accept the " adjusted '' amount listed on my statement for the next billing cycle ( XXXX 2019 ), as it does not reflect that my loans have been recalculated under the Income Based Repayment Plan. 

I spoke with a representative on the phone earlier today, and was unable to clear up these errors on my account. I'm hopeful that this email will support action on my account. 

I expect these oversights to be righted before my next payment comes due. Please let me know if you need any additional information or documentation to support this correction. 

Thank you. 

Original email sent via secure email on MyFedLoans.org on XX/XX/XXXX. 
No response. Second email sent via secure email on MyFedLoans.org on XX/XX/XXXX. 
Called and discussed the documents Ive sent. Made arrangements for administrative forbearance while my account is righted onXX/XX/19. PRIOR TO THE XXXX DUE DATE. 
Called to clear up why my account had not been placed in administrative forbearance and was assured it would happen within the next 24-48 hours on XX/XX/XXXX. 
None of the issues listed have been addressed. Sent third email via secure email detailing issues thus far on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX XXXX  account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX XXXX, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB compliant # XXXX I received a correspondence from your Equifax dated XX/XX/XXXX via CFPB indicating that the investigation of my disputes was complete. As of date, Equifax is still violating federal law by furnishing these inquiries on my consumer report without my written consent pursuant 15 USC 1681b ( a ) ( 2 ).

Equifax responded alleging that the inquiries in reference were verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Im exercising my right under 15 USC 1681i ( a ) ( 7 ) and requesting Equifax method of verification and by federal law they have 15 days to respond upon receipt of this notice. If these accounts was in fact verified as Equifax claim, that would mean that they investigated it and it would also mean that this was in fact an investigative consumer report. Therefore, under 15 USC 1681a ( e ) I want to know exactly Equifax spoke with and the method used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 USC 1681a ( e ) I am demanding the following : - Which neighbor did you speak with? 
- Which associate did you speak with? 
- Which friends did you speak with? 
- Which acquaintances of mine did you speak with? 
- Was the information that you received factual? 

Please keep in mind that Equifax only have 15 days per federal law to respond to this request. If they do not respond in time this information must be permanently removed from my consumer report.
Complaint sub-issue: Information belongs to someone else

I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.