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

What happened? 
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below XXXX XXXX XXXX Balance XXXX {$540000.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XX/XX/XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XXXX. Please help me.
Complaint sub-issue: Problem getting your free annual credit report

I have requested my XX/XX/XXXX report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through XXXX XXXX website, and XX/XX/XXXX website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from Equifax despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the Equifax data breach and still don't have access to view the information on my report
Complaint sub-issue: Didn't receive enough information to verify debt

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

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

I wanted to purchase a dish washer, washer, dryer, and stove and this was around when covid hit. Although they said they were not going to set them up/ hook them up, so I then said cancel the whole order. And they are still trying to bill me for the services, which I cancelled with order. They are constantly harassing me, via phone and mail, and email. But said they refuse to work with me. Now all Charges have sky rocketed, and they are hurting my credit.
Complaint sub-issue: Debt is not yours

On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/2018 and spoke to the rep by the name of XXXX Id # XXXX XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the XXXX XXXXXXXX XXXX for assistance
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

I have tried multiple times to get the inaccurate, false and misleading information off of my consumer report. I have requested proof of all reinvestigations and as of XX/XX/2022, I have not received this information that XXXX claims these accounts are verified or any proof of these alleged debts. Pursuant 15 USC 1681c the requirements for having collections accounts, charge-offs and any other adverse action on my consumer report is unlawful and are to be removed. It states accounts placed for collection or charged to profit and loss which ANTEDATE the report by more than 7 years are to be excluded from a consumer report, 15 USC 1681c ( a ) ( 4 ) and any other adverse item of information other than records of convictions of crimes which ANTEDATES the report by more than seven years and to be removed from consumer report, 15 USC 1681c ( a ) ( 5 ) I have attached the letter that was sent to XXXX and I have yet to get any notification. Further XXXX XXXX XXXX updated my file to a cease and desist for this collections account complaint # XXXX, and as of XX/XX/2022, this information has not been removed from my consumer report. 
XXXX has repeatedly ignored all of my letters and demands. Because of the inaccurate, false and misleading information on my consumer report, I have not been able to get a place to live, and unable to extend my credit as this is my federally protected rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I send equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. As well as XXXX collection accounts that has remained non compliant as well as unverified. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

I recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from XXXX AND EQUIFAX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to XXXX credit bureau via XXXX mail # XXXX, EQUIFAX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX DEPTEDXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX 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 a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I forwarded verification letters to the three credit bureaus. My documents included the verification letter, copies of my drivers license, my social security card and my XXXX gas bill. 
Since these are delicate documents, I had them notarized and sent them certified via US Mail. I received the green tracking receipt from XXXX and XXXX  in the mail by the XXXX and the XXXX of XXXX, respectively. I received a letter days later from Equifax stating that they needed verification of my identity. As stated above, I sent these items initially. In addition, I never received the green tracking receipt from Equifax. Who knows where my personal information is now. I need to know what happened to my personal documents. Also, I expect them to follow the legal guidelines regarding a timely response to my verification inquiry. I think this matter has been handled in a highly careless and irresponsible way. Very unprofessional.
Complaint sub-issue: Debt was result of identity theft

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$170.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$62.00} Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$170.00} Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Credit denial

My application was denied but how is that possible if you guys said you were in compliance with truth in lending? Why is it that i have to put a downpayment when ALL charges are covered by the finance charge? And also when IN FACT a down payment is ILLEGAL! When I did this application I gave you guys my Social Security number ( my XXXX XXXX XXXX  ) and my signature... I gave you guys authorization with my signature and ssi to go into my XXXX que trust and take the payment for this vehicle... so how can I be denied an extension of my own credit??? According to 15 USC 1605 - Determination of a finance charge states... ( see attachments below for full law quote ) When if fact this is the case, so why are you guys asking me to pay separately for anything when the finance charge covers EVERYTHING. You all may want to take this up with your power of attorney because i know you are PROBABLY naive to what i am talking about and i don't expect you to know when you don't study the law like i do... However i am willing to overlook these Violation AS LONG AS iam given the vehicle i applied for with NO out of pocket payments OR refund me IMMEDIATELY my payment of {$60000.00} from my Cestui Que trust & signature. Hi am giving you guys a chance to make this right. If my request are not accommodated i will Report these violations to the Cfpb, the FTC, the attorney general, and congress who IN FACT made these laws. Pick your choice. ( I am not just a young girl with a pretty face I know way more than you think I know ) in accordance with my complaint my i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction.
Complaint sub-issue: Information is not mine

Refused to remove believe it 's an inquiry issue
Complaint sub-issue: Information belongs to someone else

I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.
Complaint sub-issue: Information belongs to someone else

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Complaint sub-issue: Account information incorrect

I've reached out to XXXX, XXXX & XXXX XXXX about a company reporting a car repo on there perspective credit reports. XXXX XXXX XXXX is reporting a wrong start date. They're reporting a start date of XX/XX/XXXX which is incorrect. I have made several attempts to resolve with the company and reporting agencies, including XX/XX/19. According to the law, these item has to be removed from my report for report wrong information.