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

I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
Complaint sub-issue: Information belongs to someone else

I received my bill from XXXX  and notice my credit score had drop by XXXX points, so I called XXXX and they told that, I have a charge off on my credit report. I explained to them that this was not my account and disputed with them twice and they come back to me with the same results. The information that the company reported is accurate and the item will not change as a result. I also called the company ( Acima Digital FKA Simple ) and spoke to them about this. However, they wanted my information so they could pulled up the account. I only gave them my name because if I would have gave any of my information they would have attached to the account. They told me that leased some stuff from them and gave my the address in which I never lived. The address is XXXX XXXX XXXX, XXXX NY XXXX. I've never lived in New York and never heard of this company, as I explain this to XXXX who has all my important information and told me I need some kind of paper work to prove that this is not my account. How can I have any paper work from a company I never did business with or never heard of.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing a negative collection mark on my Equifax and XXXX  credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to XXXX XXXX. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from XXXX XXXX. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX  Dispute Results attached file for your reference.
Complaint sub-issue: Account information incorrect

The XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Dept of ED/XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :. 
1 ) XX/XX/2018 XXXX  for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by The Money Source and submitted a dispute on my behalf. 

I then called The Money Source and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX
Complaint sub-issue: Debt is not yours

I am filing to dispute all inaccuracies on my credit report with XXXX.
Complaint sub-issue: Account status incorrect

THE DISPUTED ACCOUNTS ARE DUE FOR REMOVAL OF FMY CREDIT FILE. THESE ACCOUNTS HAVE BEEN PAID IN FULL IN A SETTLEMENT. HAVE THOSE ACCOUNTS OFF MY CREDIT FILE, THEY HAVE BEEN CAUSING SERIOUS DAMAGE AND IS CAUSING DELAYED IN EVERYTHING THAT I AM TRYING TO PURSUE. PLEASE REVIEW ALL THE ATTACHMENTS AND REMOVE THE DISPUTED ACCOUNTS OFF MY FILE.
Complaint sub-issue: Didn't receive terms that were advertised

I deposited {$75000.00} Day 1 of account opening. That balance had to maintain by the 21st day of opening. Then maintain that balance from the 21st day of account opening for an additional 60 days. Then {$1000.00} bonus was to be paid. 

So if all that was met 81 days from the day of account opening bonus should have been paid I has been 90 days and I have not received my bonus as promised.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Complaint sub-issue: Account status incorrect

Is showing 90 days late XX/XX/2017 when was on deferment from XX/XX/2017 to XX/XX/2017 so a payment would not have been due so how can I be late? Also shows I paid XX/XX/2017 so how could I be 90 days late for XX/XX/2017?? This is keeping me from buying a house.
Complaint sub-issue: Called after sent written cease of comm

Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.
Complaint sub-issue: Information belongs to someone else

I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX  XXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.
Complaint sub-issue: Didn't receive enough information to verify debt

I was never notified about this debt prior to it being placed on my credit report the first or second time. I reached out to the company in late XXXX of this year asking them to validate the account. The account was removed in XXXX however it has been added back without notice and with a higher balance than before which is illegal and a violation to my rights as a consumer. I would like for this account to be removed from my report and I would like a statement from the company acknowledging the removal. I was not aware of this debt prior to the original placement I've given this company for over 60 days and still no proof of the account. I am providing proof of the inaccuracy in reporting amongst the three credit bureaus, the difference in the balances currently, as well as the letter sent to Hunter Warfield
Complaint sub-issue: Public record information inaccurate

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the XXXX  Attorney Generals office, XXXX XXXX XXXX and more complaints to the CFPB will be filed.
Complaint sub-issue: Information belongs to someone else

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX
Complaint sub-issue: Can't temporarily delay making payments

I was contacted by XXXX XXXX XXXX on a daily basis for months pressuring me to enroll. I finally gave into their high pressure sales tactics and I enrolled. Shortly after enrolling, I became homeless and could not continue to obtain my degree. My loan is now in default and I do n't know what to do.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. 
I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, and the Police Report for this case. Please investigate these matters and block the disputed item as soon as possible.
Complaint sub-issue: Debt was paid

In XX/XX/2019 I moved from the XXXX XXXX to XXXX. Prior to that I had mobile phone service with XXXX. I kept my number with XXXX for some months while I was settling. Once I determined I was going to stay in XXXX long term, I paid my final bill, and canceled my account. I double checked that the account was canceled by attempting to log in, and the account was closed. 

In XX/XX/2019 they sent me a letter for {$140.00} ( letter attached ). The letter stated I could dispute the validity of the debt, which I do, since I paid my final bill when I canceled the account. I wrote them a letter, and then they responded by email, saying I could call them or they would respond in writing. I wanted them to respond in writing showing why they thought I owed them more money. They said they would do that, but they never sent me another letter. Instead they gave the bill to a collection agency. 

I then disputed the bill with my credit agency. They refused to send the outcome of their investigation to XXXX, but the bill dropped from my credit, so I thought the matter was settled. 

Recently however a new agency has obtained the debt. I still can not get anyone to send me a letter stating why they believe I owe them money, and the credit reporting agency won't send anything to XXXX.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem with statement of dispute

My question is what is the procedure of score rating by Equifax. 
What is the basis for a late car payment versus a late loan payment. 
A credit card payment versus short sale, deed in leiu, foreclosure versus foreclosure started A late College loan payment A repossession How are terms of length arrived at
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2020, I submitted a dispute to Equifax to an item in my credit report. The item is a revolving credit account with XXXX/XXXX  of XXXX FL. This account is reflected on my credit report although I did not open the account. On XX/XX/2020, Equifax resolved this dispute by providing a statement from XXXX/XXXX   indicating I was an authorized user. Neither Equifax nor XXXX provided any documentation reflecting my agreement to this authorized user status, nor did they provide any documentation showing what charges were made by the " authorized user ''. At this time I am requesting those documents. If it can show I neither authorized this user status or no charges were made by me ( authorized user ), this should be removed from my credit report and my name removed from that XXXX/XXXX  account. 

Since I am not the primary member on the XXXX/XXXX  account, the situation could not be discussed with me. 

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

DISCOVER FINANCIAL SERVICES Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. 
For 2 this debt shows from over 7 years ago which is past the statute of limitations. 
This is erroneous and they are in violation. 
The next correspondence to them will be from my attorney.