Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

This is about Equifax : XX/XX/XXXX : Mailed with documents on Drivers license & Med Information for Credit Report. No response received back. 

XX/XX/XXXX : Filled out XXXX XXXX XXXX Request Form, mailed it. The Form did not mention any extra paperwork to send in. 

XX/XX/XXXX : Equifax replied, they needed more information, SS card, driver 's license, rental/lease agreement, utility bill and where I lived for past 2 years. They also said the XXXX XXXX XXXX form was not legible which I printed in large legible letters. I mailed all that they asked for. 

XX/XX/XXXX : Equifax replied : Need to enlarge photocopies of driver 's license and social security cards. I resubmitted information again and increased copying by 150 %. The copies of my driver 's license and Social Card was readable before I mailed it to them. 

The other problem is that when other companies want to check my credit score Equifax always says its closed and they will not help me. I've called and talked to reps and they say it's open, but yet when I applied for Bank Loan on XX/XX/XXXX it was closed to them and I had to get the Bank Loan in my wife 's name only to buy a new home,
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Talked to a third-party about your debt

The debt account manager at Sallie Mae, name XXXX XXXX Number XXXX has contacted two of my relatives about my debt seeking to get in touch with me. She contacted my mother and father on XX/XX/19, at two separate numbers. I called her on XX/XX/19 to inform her that they are not on my account and since she has my phone number and address she should not be contacting them. She also lied and stated that they are listed as my contacts on my loan application when they are not. I let her know that I had enrolled in a debt assistance program and that they will be contacting her to pay my debt. She informed me that the company is not allowed to communicate with my debt collection account ( another lie ) and threatened that the attempts to reach me and collect my debt through any and all means would continue until I paid my debt.
Complaint sub-issue: Overcharged for something you did purchase with the card

XXXX : I placed an order for {$990.00} on the website to pick up in store, using a coupon. ( these discounted prices do not show up on the available receipt for some reason ) XXXX : I went to pick up the order in the store and only 2 of the 7 items were available for pick up ( {$200.00} adjusted order total on receipt ). 
XXXX : Credit card statement cut showing that I owe {$340.00} for the transaction. It seems like Home Depot shorted me about {$140.00}. 
XX/XX/2022 : I filed an investigation with the credit card company, but they told me that after investigation, they do not owe me anything.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXXAFNI ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

My mortgage Company is not reporting my oN time Payments, and in fact, is reporting to the credit agencies that my mortgage is in deferment when Ive been making my mortgage payments on time every month.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good Morning, I am reporting Equifax for a second time as I have a 7 year Fraud Alert as I have been a victim of identity theft. 

I reported Equifax prior to another incident as I was never notified or contacted as per the direction of the law and the point of having a 7 year Fraud Alert. 

This second ( Current ) Incident my credit was ran 4 times in the Month of XX/XX/2019 on these dates XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As a victim of identity theft there are steps in which that need to be followed. And yet again Equifax has not handled this per protocol. No contact was made to me regarding these inquiries. And it is beyond belief that I have to report them a 2nd time.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

i sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
Complaint sub-issue: Didn't receive notice of right to dispute

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Trouble with how payments are being handled

Without notice, explanation, or legal authority, XXXX XXXX has revoked my ability to suspend direct debit payments. Despite the fact that I pay by bill in full each month before the direct debit withdraw date, XXXX intends to withdraw an additional full payment from my savings account. In other words, I pay ~ {$480.00} to fulfill my monthly obligation before the XX/XX/XXXX of each month. On the XX/XX/XXXX, XXXX intends to withdraw another {$480.00} payment to my great detriment. I should have the ability to suspend this withdraw. I possessed that ability for the previous six months. Upon information and belief, XXXX revoked the suspension ability in retaliation for my whistleblowing activities.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
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 {$1000.00}, {$48000.00}. 
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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account.
Complaint sub-issue: Public record

I have XXXX bankruptcy on my credit that was dismissed, They will not take this off my credit report. I dont know what else to do about this. I have written Equifax in reference to this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, CarMax XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap
Complaint sub-issue: Public record information inaccurate

In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, Equifax and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
Complaint sub-issue: Keep getting calls about my loan

It 's hard to believe the some other debt services that do n't have a better system while some of us are paying who are paying our bills with our continued original debt collection services are getting calls like these when they do n't know we have already chose them to make our payments.
Complaint sub-issue: Seized or attempted to seize your property

I received an email SUBJECT - UCC Violations, Solvency, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case No : XXXX, Balance {$16000.00} - dated XX/XX/2016 In this email there were 11-12 different emails Most, I have no association with, in the email, there are 5 attachments containing my personal information and address. There threatened me with the following : File a Notice of Default against your Brokers License with XXXX as well as with the California Attorney General according to Uniform Commercial Code 9-607b ( 2 ) a, which could result in a fine or loss of license. 
* Contact Title Companies and Title Attorneys to serve UCC1 & intercept any current and/or future commission due to you and/or your brokerage until the balance is cured. 
* File a complaint with the California Attorney General for Fraudulent Receipt according to Uniform Commercial Code 5-502 to 5-511, which could result in a fine. 
* Add additional collection and recovery fees according to Uniform Commercial Code 9-607 ( d ). 
* Contact XXXX  as well as with the California Attorney General to advise of possible FRAUD AND FALSE STATEMENTS by Concealment of assets from conservator, receiver, or liquidating agent according to Title 18 Part 1 Ch.47 1032 ( 3 ), which could result in a fine and/or up to 5 years imprisonment. 
* File a complaint against your Brokers License based on Realtors Code of Ethics & Standards of Practices.
Complaint sub-issue: Information belongs to someone else

After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :
Complaint sub-issue: Their investigation did not fix an error on your report

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00}
Complaint sub-issue: Public record information inaccurate

Upon pulling of my Lexis Nexus report, by a mortgage lender, they noticed a State Tax Lien. Ive spoken with my county circuit clerks office and looked online repeatedly for this incorrect tax lien and they have no record of it. So again, I went to the XXXX County Circuit clerks office website today and seen again, no such record. They are hindering my ability to purchase a home for something that it being reported on my credit file incorrect. I have attached a picture of the XXXX County Circuit clerks website where it says no information found with the case number!
Complaint sub-issue: Information belongs to someone else

I am distressed that Equifax has included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it 2. This account resulted due to identity theft. 
XXXX XXXX Account XXXX : XXXX The listed item is a very serious error in reporting. Please delete this misleading information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Items ordered at XXXX 's online on XX/XX/19 totaling {$710.00} were returned to XXXX XXXX XXXX XXXX, FL store on XX/XX/19, 2 weeks before my payment due date of XX/XX/19, resulting in a credit balance as of XX/XX/19. Despite the fact that a credit balance existed on the payment due date of XX/XX/19, Macy 's began harassing me by calling and leaving messages for me on a daily basis. When I spoke with 2 Macy 's representatives on XX/XX/XXXX, I was told that I would incur a late fee because I had not paid my minimum payment of {$27.00} on the payment due date of XX/XX/19. I advised the representative that on XX/XX/19, based on my merchandise return, I had a credit balance and no payment was due XXXX   's. XXXX seems to believe that they can require credit card customers to make a minimum payment even when the customer has a credit balance. In fact, the first representative insisted that my return, although it was made 2 weeks in advance of the payment due date, would not actually be credited until my next month 's statement! Apparently, XXXX  's has found a way to require customers to make so called minimum payments for merchandise that the merchant has already received back in its stock!!! This smells like fraud to me! After having my attorney speak with the 2nd representative, supposedly no late fee will be assessed. I have no idea whether or not XXXX 's will continue to harass me or whether they will waive their late fee! CFPB needs to investigate this practice!!!!!!
Complaint sub-issue: Reporting company used your report improperly

I sent letters to all 3 Credit Bureaus in XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I have attached the copy of my report showing the accounts as well as my certified receipts of my letters requesting that the bureaus do a full " investigation '' of all of these accounts and every piece of information. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquitted or who may have knowledge concerning any such items of information.

The Bureaus stated that these accounts are verified, which is completely false, due to the fact that not one Bureau completed a full and legally proper " investigation '' according to the law.

Every piece of information on these accounts is still not being reported 100 % accurately, and the FCRA 15 USC 1681 states that everything on a consumers report must be reported accurately. 

The credit reports are attached showing these inaccuracies. 

The bureaus have failed to follow the law and continue to allow this false and unlawful information to be reported on my consumer report. 

These accounts should all be deleted and blocked from my consumer credit report. 

ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

The company couldn't verify that both debt were mine. Which i had no knowledge of their exists.
Complaint sub-issue: Debt was paid

MACY 'S / DSNB is stating on my credit report that I owe them {$3000.00}. This debit is part of a Federal Debt Relief Program and my account is in good standing. I am enclosing the statement on my Credit Report and a Letter in Good Standing. The total amount due is under {$300.00} and the derogatory statement should come off my credit report and the balance should reflect the actual amount due.
Complaint sub-issue: Problem with statement of dispute

Equifax - reporting incorrect information. Sent proof that balance they are showing is incorrect from collection company Making payments directly to original medical billing per their agreement to do so, not the collection agency. Sent proof, including statements, cancelled checks that payments are being made directly to medical company. Equifax stated investigation all will remain the same even though all information is incorrect and proof was sent stating such.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.