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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. 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. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}.
Complaint sub-issue: Information belongs to someone else

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to Equifax, XXXX and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and Equifax and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. DPT EDXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. I filed a complaint with the CFPB XX/XX/XXXX indicating that my dispute was not resolved. Its been well over 60 days now and Equifax is still reporting inaccurate inquiries on my consumer report! Their negligent actions are damaging my reputation and credit worthiness!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/22, Discover lowered my credit limit from {$30000.00} to {$900.00}. I called Discover on XX/XX/22, at XXXX XXXX. XXXX, the representative, advised that a soft pull was done on my XXXX consumer report which I did not expressly authorize in writing, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I advised her that Discover had violated my federally protected consumer rights.

Discover 's actions in reducing my credit card limit from {$30000.00} to {$900.00} is discriminatory and in violation of federal law. Specifically : 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ), and 15 USC 1681b ( a ) ( 2 ). 

XXXX said promised that a supervisor would call me back within 24-48 hours. It has been 72+ hours and I have not heard back from Discover. My rights have been violated and nobody has tried to assist from Discover. I have suffered harm, injury, and emotional distress from this situation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a XXXX  account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a 2nd credit inquiry when it was not necessary. I called Discover and they cancelled the 2nd application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that 2nd pull.
Complaint sub-issue: Information belongs to someone else

There is an account from XXXX XXXX that is not mine.
Complaint sub-issue: Trouble with how payments are being handled

XXXX Mohela  owes me more than {$200.00} as a result of a loan repayment, but refuses to send my funds.
Complaint sub-issue: Problem with customer service

XXXX XXXX has Ignored my concerts and wont tell her manager or the CEO to contact me back. She continues to be rude and disregard my health.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, DEPARTMENT OF EDUCATION add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports per XX/XX/XXXX and XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This letter is to inform you that XXXX has failed to respond to my inquiry dispute letter that i sent via certified mail on XXXX/XXXX/XXXX. As a consumer, I have rights under the FRCA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, XXXX received my dispute letter on XXXX XXXX. Please remove the following inquiry from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Sallie MaeXXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is refusing to remove inaccurate information from the credit file they hold under my social security number. 

I have a letter from XXXX XXXX XXXX stating they were deleting the negative tradeline associated with the complaint I have previously submitted, but for some reason Equifax seems to claim to be the arbiter of what's accurate and what is not. 

I am demanding that they delete the negative tradeline they are reporting as a chargeoff on my credit report IMMEDIATELY. If they do not, I will use all legal remedies afforded to me by law to get this item removed, and Equifax will have to appear to a venue local to me to resolve this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.
Complaint sub-issue: Account information incorrect

Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX  report.On XX/XX/2020, I recieved the results from the dispute from XXXX and both XXXX XXXX trade lines was deleted as I requested.The Two XXXX  XXXX XXXX trade lines on my Equifax report are showing closed and Im requesting the two trade lines be Deleted as .Therefore, Im requesting the two XXXX  XXXX XXXX  trade lines/accounts be deleted/removed from my Equifax report
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem during payment process

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2018.
Complaint sub-issue: Account information incorrect

I recently noticed on my credit report that my best buy account is reporting late payments for over a year and that the account is now closed and negatively effecting my credit. I tried contacting best buy and they were of little help stating that only the minimum was sent, but even if the minimum was sent i shouldn't have all of these late payments on my credit report. I am attaching to this complaint the proof of payments that I made to best buy from my XXXX XXXX  savings account. I tried disputing this information with the credit bureau and they continued reporting the debt. Best buy has been difficult to work with. I have proof of making all of the payments that they are recording as a late or missed payment on my report.
Complaint sub-issue: Didn't receive enough information to verify debt

I submitted a dispute with Equifax on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 Equifax came back stating the debt was accurate without even completing a thorough investigation. Equifax has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your  continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that Equifax continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.
Complaint sub-issue: Debt is not yours

A collection letter was sent to my daughter who is a minor.I called the company to explain to them that she was minor and she should not have a collection account. They told me that they could not discuss he account with me because I was not the person on the letter. They inquired as to who I was and I gave them my name. The next month, I started receiving letters trying to collect the debt.
Complaint sub-issue: Reporting company used your report improperly

THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission.

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within XXXX days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.
Complaint sub-issue: Account status incorrect

XXXX, XXXX XXXX and Equifax Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the black marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XXXX XXXX XXXX XXXX$190.00} XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXXXXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXXXXXX XXXX XXXX- I never filled an application out so I'm not sure what this is XXXXXXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXXXXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX 
XXXXXXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Complaint sub-issue: Account status incorrect

The CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.
Complaint sub-issue: Information belongs to someone else

My last compliant was XX/XX/2021. I have been disputing accounts and sending the company 3 FTC reports by certified mail return receipts. The company last response was that they don't know what accounts I'm disputing but on page 4 of the FTC report shows the 3 accounts as follows XXXX, XXXX XXXX, and XXXX. Page 3 and page 4 shows the inquiries, names, and accounts that are not mine and was identity theft. I have sent my reports from the FTC and several other dispute letters and also an invoice that was due by XX/XX/2021 with no response in the mail. I demand these accounts be deleted and blocked and I am sending another invoice and court document
Complaint sub-issue: Funds not handled or disbursed as instructed

A {$1000.00} check, dated XX/XX/XXXX, was cashed from my account for {$3000.00} and the bank has yet to credit my account with the difference. 

Attached to this complaint is a copy of the deposited check, obtained from my bank, PNC. You can see clearly that I wrote it for {$1000.00}. On the top line you can also see that instead of the amount I authorized, {$3000.00} was actually debited from my account. 

I contacted the bank repeatedly over the past several months. Every time I call, I'm told that they're waiting on the receiving bank to get back to them, etc. One person told me that the case had been closed, but could provide no justification for doing so.
Complaint sub-issue: Account status incorrect

After checking my current credit report, on XXXX XXXX, XXXX I contacted Equifax again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX
Complaint sub-issue: Account status incorrect

I received a notice that my credit score dropped 147 points. Equifax and XXXX are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
Equifax is showing incorrect balance on my chase act ending in XXXX. 
Equifax is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

XXXX is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XX/XX/2018 and XXXX XXXX informed me that NO payments should be made on the act.
Complaint sub-issue: Deposits and withdrawals

I created an account with Square ( aka XXXX, XXXX XXXX Square Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), went through the verification process, and linked my business checking account. After several weeks of uninterrupted service, today ( XX/XX/22 ) my account was " deactivated '' without warning or notice. I received an email that this was Square 's " final decision '' and that my funds would be frozen for 90 days. 

I called Square customer support to find out what happened, and they told me they could not give me a reason why the account was suspended. I told them there must be something they could do, given the sudden and inexplicable nature of the suspension, but they refused to give me any more information on why my account was deactivated/ frozen. There was no appeal or review process. 

I am in the middle of my work week and now am completely without a credit card payment processor. I have hundred of dollars of customer invoices/ payments currently frozen in my Square  account that I apparently can not access for three months. I am scrambling to call clients to explain why they can not pay with a credit card at my business. To say this is frustrating is an understatement -- Square has completely left me in the lurch, high-and-dry, and will not so much as provide an explanation as to why this happened.