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

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXX XXXX, I discovered that FED LOAN SERVICING STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that this is my SECOND REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

You are required under the FAIR CREDIT REPORTING ACT to have properly verified that an account listed on my credit report is mine by having a copy of the " original credit application file. 

See Attached
Complaint sub-issue: Information belongs to someone else

The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX ( XXXX ) Names : XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  XXXX ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

- Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. 
- I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. 
- I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. 
ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. 
- I.C. Systems misrepresented the information to the bureaus on dates of last payment. 
Thank you
Complaint sub-issue: Information belongs to someone else

THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE THIS COMPANY TO USE MY CREDIT REPORT AT ALL
Complaint sub-issue: Information belongs to someone else

Spoke with XXXX customer service about having these fraudulent inquiries removed ( XXXX ) said XXXX is in violation of my consumer rights but did not remove them she said someone fraudulently accessed my report. Under 15 us code 1681 subsection ( c ) says any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer ( me ) I have been violated under this noting because they willingly and knowingly gave someone access which is fraudulent conduct on XXXX part I need those removed
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX XXXX. {$1400.00}. XX/XX/XXXX XXXX  XXXX XXXX. {$1800.00}. XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.

2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

3. A complete payment history on this account.

4.All original copies reflecting an agreement to pay the alleged debt.

5.Copies of all invoices, bills, and notices concerning this alleged debt.

6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.

7. An explanation of why AES is not reporting on my credit report item is being disputed.

8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.

9. The reason why AES / XXXX XXXX is not accredited with the XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT EQUIFAX ON XX/XX/2021, XXXX ON XX/XX/2021, AND XXXX ON XXXX HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.
Complaint sub-issue: Account status incorrect

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, Credit Karma, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
Complaint sub-issue: No notice of investigation status/result

Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account status incorrect

What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and XXXX more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX  just reported to XXXX and Equifax that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.
Complaint sub-issue: Deposits and withdrawals

Last year 2020 I made I account to cash app had my benefits sent there from unemployment on XX/XX/2020 cash app shut down my account they still have my XXXX and I cant get it off
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) EQUIFAX has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. XXXX has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. EQUIFAX has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and EQUIFAX has not complied accordingly. This leads me to believe EQUIFAX ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY
Complaint sub-issue: Information belongs to someone else

HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 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
Complaint sub-issue: Problem getting my free annual report

I have a continuing, extensive, and well documented identity theft. Going back 14 years when I was age XXXX. Equifax refuses to allow me to receive my annual report, and denying me the right to dispute false information. Since 2010 I have attempted and been denied online, and via telephone, due to my inability to answer questions pertaining to my report. Who did I get a car loan from? Who is my morgatge company and payment etc. Information I would know nothing about as it was not me. Not have I ever applied for these products. XXXX and XXXX at least allow me access by sending in verifying documents, and file disputes with them. All items I have disputed have been found to be fraudulent and removed from my other reports. This is wholly unacceptable and a violation of my rights.
Complaint sub-issue: Information is not mine

I contacted Clarity Services to dispute information on my credit reports. I have over XXXX inquiries on my credit reports, many of them from companies inquiring about my credit. Clarity Services has sold my information to loan companies and banks that I never inquired about. I recently went into the bank to pay my daughters tuition and was rejected for a savings account. This stems from illegal, false, and bad reporting from Clarity Services, just to name a few. I would like Clarity Services, Inc to remove all of the negative reports sold to loan companies, banks, etc. I want no relationship with this agency. They were already sued for this same issue and now I see why. This company has to sell lies to companies to make profits and mess up peoples lives. I have a great job and I own my home. I have no reason to have XXXX inquiries on my credit profile and negative reports from a company that is in violation of my rights. I would like you to investigate this company and have them provide verification of all the false reporting and accusations held against me. I have already hired a lawyer. Please help me and possibly others. I 'm sure I wo n't be the last to report this illegal behavior.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Problem getting my free annual report

I used the XXXX website to request my credit report online and was refused. I have been delayed in obtaining a mortgage recently by some detail in my credit report, and needed to obtain my credit reports immediately, in order to clear up any discrepancy. When I submitted my request on the website, each of the XXXX credit reporting agencies refused to provide a report, and instructed me to request it in writing. This will cause weeks and weeks of needless delay in completing a mortgage request.
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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. 

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: 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 XXXX XXXX XXXX  XXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00}
Complaint sub-issue: Reporting company used your report improperly

Student loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.