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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$610.00} ; XXXX {$610.00}
Complaint sub-issue: Problem with personal statement of dispute

This complaint is regarding an account on my credit report from XXXX XXXX XXXX XXXX of {$10000.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. The letters, and the proof of return receipt will be attached with this complaint. 

This has put a stress over my life in a very negative way
Complaint sub-issue: Company closed your account

my Best Buy credit card and my XXXX XXXX XXXX were both used in fraudulent transactions. 
The 2 companies have closed the accounts and reopened with new numbers but I have did numerous dispute claims and they will not take care of the charges. when I first reported the incidents to each company, I was told that the charges would be taken care of. then they went back on their word. The universal card, I had been a customer of theirs for over 20 years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a natural person Im a living human being I have rights under 15 USC 1681 Equifax is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts this may be a case of identity theft which happened during the equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. 

Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. 

On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. 

In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). 

Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. 

I have been to the XXXX  and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. 

The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). 

I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). 

This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.
Complaint sub-issue: Trouble with how payments are handled

I attended XXXX XXXX of XXXX from XX/XX/XXXX-XX/XX/XXXXI took out XXXX private student loans to finance my education. 
My loans were initially serviced by Nelnet with no problems. 
In 2014 my loans were service released to Firstmark Serviceswhich is a subsidiary of Nelnet. 
I remit payments through XXXX XXXX Online Bill Pay making one payment of {$420.00} monthly. 
The servicer would split the payment and apply funds to each loan. 
I made 10 payments to FirstMark with no issues. 
The 11th payment was only applied to XXXX of my loans. Reason being is that the payment processing computer now can not distinguish between due dates and my entire payment was applied to the first loan coming due. 
I was told by customer service that, due to the due dates being off by one day, XX/XX/XXXX and XX/XX/XXXX, that the payment was only applied to XXXX account and that she could not make the date the same for both loans due to different banks holding the notes to my loans. I was told to send my payment to a different address where a human would apply the payments to my individual loans. I did this for my XX/XX/XXXX payment, submitting it XXXX XXXX, and it mysteriously disappeared for over 2 weeks before it was miraculously discovered on XX/XX/XXXX XXXX and backdated to XX/XX/XXXX XXXX. I would like to add that the payment being found coincided with a rather nasty email I sent Firstmark on XX/XX/XXXX XXXX. Since this date I have mailed XXXX additional payments to the address listed on my statement and thus far both payments have been applied only to the loan that is due on XX/XX/XXXX. I have called and emailed Firstmark and they have shown no interest in correcting this problem. It is my opinion that Firstmark created this problem in order to hinder myself and others in making loan payments. I believe this because the 10 prior payments the computer correctly and automatically split my payments among my XXXX accounts. Why would a servicer change this on purpose? To create more work on the student loan payer by making one have to call or email the servicer each month to have ones payment applied correctly? This is a major waste of my time and is causing undue stress in my life. I also believe, if I failed to call, this error would not be discovered within 30 days and then my credit would be irreparably damaged and thus I would be damaged monetarily.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS REFUSING TO FOLLOW THE LAW WHEN IT COMES TO REMOVING OR BLOCKING UNVERIFIED ACCOUNTS OR ACCOUNTS THAT ARE A DIRECT LINK TO IDENTITY THEFT. THE ACTIONS OF EQUIFAX HAVE SEVERELY TAKEN TOLL ON MY LIFE DUE TO THEIR DIRECT DISREGARD OF THE LAW. XXXX HAS TAKEN STEPS AND IS REPORTING THE ACCOUNT AS FRAUDULENT. I DONT UNDERSTAND WHAT IS GOING ON WITH EQUIFAX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE XXXX CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX  XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.
Complaint sub-issue: Was not notified of investigation status or results

there are multiple problems with my credit report as listed on the letter attached inquires that are not mine wrong accounts and and inaccurate reporting
Complaint sub-issue: Debt is not mine

Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.
Complaint sub-issue: Trouble with how payments are being handled

I have two loans managed by XXXX XXXX XXXX. During my divorce ( XX/XX/XXXX-XX/XX/XXXX ) I once was unable to maintain sufficient balance in my account to make my monthly payments ( XX/XX/XXXX). My loans were on autopay, and after three failed attempts to pay they cancelled my auto pay. I have since been able to make my payments, but XXXX XXXX XXXX refuses to allow me to resume auto pay for these loans. This results in late payments when I accidentally am not timely enough to recall to make these payments manually. 

I feel that their refusal to allow me to resume using autopay is a strategy to increase their fees and interest earned from loan holders whom they've identified as struggling to manage their debt burden.
Complaint sub-issue: Was not notified of investigation status or results

dealing with a problem like always with these guys. no response to consumers who have innacurte things on their credit report.
Complaint sub-issue: Problem getting your free annual credit report

On Thursday, XX/XX/2021 I tried to access my credit report via XXXX but received an error message that stated " Based on the information provided, we are unable to verify your identity ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.
Complaint sub-issue: Information belongs to someone else

Equifax XXXX XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

LexisNexis Risk Solutions - XXXX XXXX XXXX XXXX, GA XXXX - XXXX sent my insurance company a claim that I was suppose to be at fault for the wreck that happened to me. My car was actually the vehicle NOT in question, but the other car involved was. It was a policeman that was at fault when my boyfriend struck him he just ran a red light and my car hit his police cruiser because it was unavoidable. 
Please check with this company and see why they put me as the driver at fault because it has caused my insurance policy to double in price. 
I am just a single recently divorced lfemale with no money to spare so when something like this happens it sticks out like a sore thumb. Let me knpw asap so I can maybe take care of it before my new premium is due, Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Complaint sub-issue: Debt is not yours

On or about XXXX 2015, I noticed while checking my credit report, a delinquent account from " XXXX XXXX XXXX XXXX '' for approximately {$2000.00}. I immediately began the process of informing them  that this was a fraudulent activity via written letters and by phone. I also sent letters to the XXXX major credit reporting bureau 's informing them the same. Thinking the matter was resolved, I was shocked to receive a summons from Superior court years later, without any previous correspondence. Now I 'm being constantly harassed by these vicious attorney 's who continue to claim they are not receiving my documents ( I have all documents filed and organized with USPS tracking proof of delivery ) and neither the original creditor or the attorney has produced a single document that I have requested showing my signature on an agreement or any other proof which might substantiate there claim. Because there is no such document. They have even failed to show me what was allegedly purchased with this line of credit or loan. Yet they continue to harass me to the point where I now am having to pay an attorney to help defend me. I believe that by this harassment, they are violating my rights as governed by the FTC which enforces the " Fair Debt Collections Practices Act ''. The Attorney mentioned above is : XXXX XXXX XXXX of Nelson & Kennard, XXXX. XXXX XXXX XXXX, CA XXXX. Thank You,
Complaint sub-issue: Information belongs to someone else

not my account I have not has a account dated XXXX XXXX 2019 with this company for XXXX
Complaint sub-issue: Public record information inaccurate

The mortgage late reported by XXXX XXXX  in XX/XX/2021 for 150 days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per one of the representatives named XXXX at XXXXXXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the 150+ Day Delinquency on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with XXXX XXXX  in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : 1. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX 2. A credit builder account XXXX XXXX date opened XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from XXXX  was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE