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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

1. XX/XX/2021, received notice from XXXX XXXX, SD XXXX name of sender was not included ) telling me that my APR on a closed account ( closed in XXXX ) may increase and require me to pay more monthly. 

2. XX/XX/2021, called number listed on notice and spoke to XXXX from Citibank. Asked why is APR increasing on a closed account which I pay on time every month? Answer : The federal gov't controls the prime ; Don't see anything about an APR increase ; No you can not dispute the change ; and Contact consumerfinance.gov for more info. 

3. My complaint : Who protects my rights in this matter? Where is my Notice to Dispute? Can the company legally increase my APR on an account that is closed but being timely paid monthly? 

Thankyou.
Complaint sub-issue: Reporting company used your report improperly

This is regarding the recent hack of Equifax, resulting in my information being distributed to the hackers/unknown parties and now my identity and credit being at risk of theft for the remainder of my life.
Complaint sub-issue: Account status

I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX
Complaint sub-issue: Reporting company used your report improperly

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

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

As stated in 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. I, at no time gave anyone written permission to place anything on my credit report. Also if you look at the company website it states the following ... XXXX XXXX XXXX  On the FAQ section it states also... 

Will XXXX, XXXX remove the account from my credit reports after it has been resolved? 

Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
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: Debt is not mine

I do a payment plan with the collection fot the credit card of citibank and then when i paid for one year they want the all amount and in this time i not have the all money to paid. I opened the account in XXXX not in to XXXX. According by law it 7 years in the credit record and i past the 7 years. The same think of bank i moving to XXXX and i closed the accoubt by me.
Complaint sub-issue: Problem with fees

My son use our citibank credit card for two transactions, one for {$14.00} and one for {$18.00} or a total of {$32.00}. Citibank charged a {$20.00} fee and a {$0.00} interest resulting in {$20.00} on {$32.00}. That's a 62 % interest rate for a month or 33,676 % interest rate annually. I can'be believe there are no laws against this or required warnings. 

I don't expect any action, but would like to register the complain so perhaps it comes to the attention of someone that this kind of usury really should be outlawed.
Complaint sub-issue: Didn't receive enough information to verify debt

I did not receive any notice of this debt showing on my credit report until I seen my credit drop due to this unrecognized debt occurring on my credit report. I had no prior knowledge I had owed debt.
Complaint sub-issue: Information belongs to someone else

This fraudulent account was removed from my XXXX account last year in 2018 and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from my credit file.
Complaint sub-issue: Problem getting your free annual credit report

We have not been able to get the XXXX XXXX XXXX XXXXt form EQUIFAX, and this has been the case for almost an entire year. As well, my wife is not able to get the XXXX XXXX XXXX XXXX XXXXrom EQUIFAX with her BAN not being in place for as long as mine. 

We've also have not been able to register for the paid and direct access to our Equifax credit reports using Equifax.com. They have banned both my wife and myself from getting FREE and downloadable reports, but instead links us to Equifax site that ask us to provide documentation of various forms of ID and they will send us the reports. This request from them is not going to happen, because our sole purpose to to XXXX XXXX XXXX XXXX is to make sure we are getting the SAME report that the banks and lenders get when they pull credit. The Myequifax.com that they have restricted us to use for our credit reports DO NOT contain the same data thaXXXX XXXX XXXX XXXX contain, nor does Myequifax.com allow the same access that Equifax.com allows. 

So that is what we have been opening multiple CFPB complaints asking to have the restrictions removed from our Equifax credit access and reporting. Please see listed previous complaints on this ( XXXX -- XXXX -- XXXX -- XXXX XXXX Equifax has been consistent in keeping the restrictions for the both of us in place, and has chosen instead to indicate that they have contacted the provider, as if they need permission from another company to allow us full access to the same credit reporting they allow the banks and lenders access to. The request to register as a couple is based on their family plan paid access. I was once registered to the Equifax.com and was booted off and told that I had to use to Myequifax.com and that was the case for all consumers. And was also told that only the businesses were allowed to use the Equifax.com to late find out that was not true. 

Why is Equifax keeping us from seeing what is being reported to the banks and lenders but instead has only allowed us access to myequifax.com only and has also blocked us from receiving the XXXX XXXX XXXX XXXX.?
Complaint sub-issue: Investigation took more than 30 days

sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from Equifax and XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I requested a XXXX  XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today, XX/XX/XXXX telling me that they mailed a letter requesting additional information. 
I asked for the history of the loan to verify that I had 3 loans with them. Because to my knowledge, I only had one consolidated loan. The servicer at XXXX stated I have a total of 3 loans 2 with them but one with XXXX from the years of XXXX and XXXX. I requested history to confirm. They stated they did not have anything like that. I asked for the supervisor who in turn gave me as of XX/XX/XXXX, the original balance that they were given was {$5600.00} for one loan and the unsubsidized part B of {$5900.00} was the 2nd loan. Which totals {$11000.00}, which is on my report as well. The loans are the same loans being report 3 times differently on my report. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.
Complaint sub-issue: Debt is not yours

I began receiving calls from a company claiming to be debt collectors looking for someone who is not me. I have told them several times that they have the wrong person, and I have blocked them but they are still harassing me on a daily basis starting at XXXX XXXX and continuing throughout the day.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Complaint sub-issue: Information belongs to someone else

I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attention : XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made XXXX : XXXX Made on : XXXX Made with : Equifax
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY 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: Problem with personal statement of dispute

I mailed letters to both XXXX  and Equifax on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. XXXX  has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.
Complaint sub-issue: Information belongs to someone else

I applied for a job with XXXX XXXX and they ran a background check through a company called Checkr. Personal information on the report was correct, except for my drivers license number, which was completely wrong. The traffic violation was also not correct - it showed violations in a state I've never lived in.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid my car loan off in full in XXXX. I held my loan with XXXX and purchased the car from Carvana. Carvana mailed my title to a previous address, and when I called to discuss this with them in XXXX, I was told that they would need to wait for the title to bounce back to them through the postal service, and then they would forward it on to my new address. In XXXX, I called to inquire because I still hadnt received my title in the mail. I was told that the previous representative was wrong, that Carvana no longer held my title and I would need to contact the North Carolina DMV. However, when I contacted the DMV, they stated that their records showed that they had returned the title to Carvana in XXXX.
Complaint sub-issue: Reporting company used your report improperly

I sent a cease & desist letter to XXXX XXXX XXXX on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.
Complaint sub-issue: Problem with personal statement of dispute

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit  agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX XXXX
Complaint sub-issue: Account information incorrect

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought a ticket to XXXX through XXXX XXXX XXXX for XXXX XXXX XXXX it cost roughly XXXX. I used my Discover Credit Card this was in XX/XX/2020. During this time they instituted the XXXX ban and I was not able to go because of the restrictions. I wanted a refund since this was told to us all in advance. XXXX moths before my flight was even scheduled. I let XXXX XXXX XXXX know that I wanted my money back and they never gave me a credit. After waiting a year and run around I went to Discover Card to get my money back since XXXX XXXX XXXX was not allowing me. They gave me credit for my purchase and ensured me I wasnt going to be charged for a flight I never went on. Then a few months later after their investigation they charged me again for the ticket. This has since made my credit card go over my credit limit and I have had to put the account on a payment plan. How is it XXXX stuck paying this when I never went on this trip and it was canceled all together due to the COVID restriction not allowing any outsiders inside their XXXX
Complaint sub-issue: Information is not mine

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from my credit report.
Complaint sub-issue: Information belongs to someone else

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.