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

RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Complaint sub-issue: Debt was paid

I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.
Complaint sub-issue: Account information incorrect

The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2018 I had a third party company that works with Nelnet named XXXX XXXX  XXXX call me. There employee by the name of XXXX XXXX Told me if I make {$200.00} and change in payments for 5months my student  loans will be dropped from {$11000.00} to {$5000.00}. He said I was eligible for the forgiveness program. I payed up to {$1600.00} and change to this company only for it all to be a scam.
Complaint sub-issue: Information belongs to someone else

This is my multiple requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On XXXX XXXX, 2017, the consumer agencies, XXXX, EquIfax and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, Equafax and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, XXXX, Equifax and XXXX credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Complaint sub-issue: Investigation took more than 30 days

Equifax/Equifax credit bureau Is processing a reinvestigate after the 30 days has ended. The 30 days ended XX/XX/XXXX after the company received my letter XX/XX/XXXX. Equifax/Equifax credit bureau claimed they reinvestigated and it came back verified the first time after they contacted the companies ( furnishers ). However it took Equifax/Equifax credit bureau took longer than 30 days to reinvestigate and I was not notified until I filed complaint XXXX ( and several other complaints including XXXX ) and Equifax/Equifax credit bureau replied XX/XX/XXXX, 9 days after the 30 days. Equifax/Equifax credit bureau is in violation of 15 USC 1681i . I didnt dispute anything, I was informing them it was past the 30 days and to delete the accounts according to 15 usc 1681i. They wrote back and marked on my consumer report stating they are reinvestigating the same accounts again. Attached is the letter was the same accounts listed and the response to my CFPB complaint that the company stated was verified already.
Complaint sub-issue: Investigation took more than 30 days

I sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.
Complaint sub-issue: Debt is not yours

I received a phone call from a woman claiming that I owed on an XXXX account in an amount exceeding {$900.00}. I have never owned such an account. The women was rude and tried intimidate me. They called from a XXXX number ( XXXX ) XXXX, even though they claimed to be in South Carolina.
Complaint sub-issue: Sent card you never applied for

I received an unsolicited credit card from US Bank in the mail on XX/XX/2020. I made several attempts to contact US Bank by phone to complain and cancel the card. But, the wait times are so long it is  extremely inconvenient. I resent the fact that US Bank can send a credit card to someone that has absolutely no contact with the bank. The potential for fraud if this card were to fall into the wrong hands is enormous. My potential liability through no fault of my own is unacceptable. I have worked hard all my life to maintain a spotless credit rating and the potential this unsolicited credit card represents to do harm to my credit rating is also unacceptable. 
I do not nor have I ever had any account with US Bank. I do not want this credit card. But most concerning is that this type of practice of sending an unsolicited credit card to an individual is legal. This practice should be illegal and US Bank should be held responsible for consumer fraud.
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 how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b XXXX and Equifax are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$14000.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax shall block 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.
Complaint sub-issue: Card opened as result of identity theft or fraud

I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.
Complaint sub-issue: Banking errors

On XX/XX/XXXX received a " Notice of overdraft '' letter from TCF- this notice does not show *Dates " of the transactions- and is completely out of SEQUENCE* when comparing with the Transaction History and 'running balances '' - With this notice 'SIX ' transactions transpired- all are 'randomly- dated XXXX XX/XX/XXXX and XX/XX/XXXX the ( balances on notice ) - are Not the Same when comparing to online transaction history with 'running balances ' on XX/XX/XXXX charged over draft fee of $ XXXX the only transaction was on XX/XX/XXXX for $ XXXX notice shows negative ( When comparing to transaction history and running balance on this date balance shows a Positive amount ", on XX/XX/XXXX Another overdraft fee $ XXXX that leaves Five- transactions of the 'Five '' remaining- ( the dates are two are on XX/XX/XXXX and XXXX on XX/XX/XXXX ) They are- Not Processed consecutively/ not Processed in order of " dates '' / Randomly Out of " Sequence ' THE FUNDS WHERE ALL AVAILABLE FOR ALL 6-TRANSACTIONS- See enclosed Notice -plus- Transaction History with Running Balances- I should not be charged overdrafts.. Total {$74.00}
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX Balance : {$94.00}
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Banking errors

XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!
Complaint sub-issue: Debt is not yours

PLAZA SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Has been sending me collection notices in the amount have {$5200.00}. This debt is not mines. I do not know this Company. I have never been business with this Company. The Company does not have a contract with my signature.
Complaint sub-issue: Account status incorrect

Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX  points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX  points based on false data submitted by credit agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to incorrect data. The good to excellent credit score is a gatekeeper to wealth, careers and housing. As XXXX XXXXXXXX I have work very hard with integrity to ensure I maintain a minimum score XXXX XXXXXXXX. To have it destroyed over false information is suppressive.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Complaint sub-issue: Account information incorrect

My Equifax report name is incorrect. My correct name is listed under " Other Names Used ''. I downloaded a report on XX/XX/18.
Complaint sub-issue: Other problem getting your report or credit score

I have a problem with Equifax and XXXX not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX but both Equifax and XXXX DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house. 

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both Equifax and XXXX maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by Equifax and XXXX, and most banks and mortgage companies use the " HIDDEN '' numbers from Equifax specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. 

By keeping the mortgage scores hidden, Equifax and XXXX DO NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts were all in default w ith 120+ l ates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ...  .Yet,  I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Complaint sub-issue: Reporting company used your report improperly

These account from XXXX XXXX  were removed from my credit report in error. They were current up to date and paid off. I want these accounts added back to my Equfax report asap. 

XXXX XXXX XXXX XXXX XXXX {$2200.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$700.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX2020 ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Complaint sub-issue: Reporting company used your report improperly

This company has violated my consumer rights and the FCRA laws on numerous occasions. I sent them an official statement on XX/XX/2021 with FTC REPORTS letting them know that these accounts were fraudulent. they were to remove these accounts in 4 days of receipt of my letter according to 15 USC 1681c-2. 4 days has came and went and these fraudulent accounts are still on my credit report. Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to. this is complete XXXX that they violated my consumer rights and made me feel powerless.