Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I mailed a certified letter to XXXX and Equifax see attached document. 

I asked XXXX to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote Equifax and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts
Complaint sub-issue: Problem getting my free annual report

Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
Complaint sub-issue: Information is not mine

XXXX XXXX, XXXX, CA XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX MEDICAL XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX THIS IS NOT MY ADRESS XXXX, XXXX FL XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY XXXX ADDRESS : XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX, FL XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within XXXX business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA XXXX ( b ), XXXX U.S.C. XXXX XXXX ( b ) XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt XXXX, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Complaint sub-issue: Deposits and withdrawals

XXXX froze my mothers account 8 weeks ago. When they initially called their questions made me uncomfortable as they sounded like they could be a scammer so I hung up. 2 weeks later I received a letter about it and called them. Our financial and tax advisors helped me submit what was requested and after 3 weeks they contacted me for additional info but also I had to resubmit documents I had already sent. After numerous phone calls to find out the status and more resubmissions its now been under review for a week. They have told me that the only way to know if the freeze has been lifted is by calling in. NO notice will be sent to me. 
This is my mothers primary account, she is XXXX and has XXXX and XXXX needs to be paid! They are now bouncing checks and this includes a {$19000.00} payment. I have also asked how they will help fix the problems they have created ( declined payments ) Their answer has been that thats not their problem.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXX. # XXXX, XXXX acct. # XXXX, has violated my rights.

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

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found multiple inaccuracies on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Old information reappears or never goes away

Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing this issue.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was informed that my credit card had the suspicious activities by the credit company on XX/XX/XXXX, but at that time it was reported I found out there were XXXX unauthorized transactions already in 2 days, the total amount of {$560.00}. 
Right after that I disputed the charges and canceled that card and received a new card. 

But sometime at the beginning of XXXX, I received the letter says the case had been closed because the credit card fraudly used was under my possession, therefore they didn't consider that fraudulent activity and I am the one who is responsible. 

On XX/XX/XXXX, I visited one of their branches and discussed about the fraud and dispute, but it didn't get any better. I was told they're not able to escalate or to reopen the case. 

On XX/XX/XXXX I filed the police report for credit card fraud and requested the card company to reopen it. I also explained the old card with the same number I cut out and discarded in the trash could be duplicated and used by the suspects. 

They said they will reopen the case and continue the investigation. But even though I was told and received the letter during the investigation I didn't have to pay the amount, they charged both late fee and financial charges on my account on the due date as if I was the one who used it. 

Their customer service keeps calling me and emailing me to pay for the amount because online status hasn't been updated and some of the disputed amount had already been deducted from my bank account automatically. 

I'm still highly doubtful if they really reopened the case and still investigating.
Complaint sub-issue: Didn't receive enough information to verify debt

I requested verification and validation to this alleged debt pursuant to 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act.  complaint number XXXX I asked for wet ink signatures and by law i can ask for wet ink signatures to prove a legal and alleged claim to a debt. XXXX XXXX XXXX responded with " The copies sent to you will not be wet copies of the signatures as the originals are maintained by a document custodian as required by law. '' Required by what law i need the cited law on this because i have the right to request those document. I have a right to know who hold those original documents with my signature on them. XXXX XXXX XXXX  did not provide those documents because the original note was sold and traded for XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I receive a second letter from Equifax stating they can not find me in there system. However I pulled my report today doesn't allow me to dispute anything .It want my personal identity which I refuse to send
Complaint sub-issue: Debt was result of identity theft

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX : {$5900.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and Equifax. XXXX has corrected it. Thank you, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Consumer Financial Protection Bureau : In reference to the original CFPB # XXXX XX/XX/XXXX is when I initially contacted you about Equifax and it's business practices and the lack there of. They recently sent me a letter in the mail and have failed to block per my request the items on my credit report due to fraud and have asked me referencing 605B of the Fair Credit Reporting Act also asking me to provide a copy of my competed Identity Theft Report, with the Federal Trade Commission Affidavit or a Police Report. I have sent this each and every time and Equifax has failed to block the erroneous information, the same documents they are requesting have been attached to my complaint each time FTC report number XXXX and XXXX Police Report # XXXX Equifax is simply matching my name and an address and not providing any documents they have received. They are merely using the an electronic system. 

I have attached the letter I received in the mail dated XX/XX/XXXX that advises me of their lack to follow credit reporting procedures accurately. I have also attached to you again the FTC report, the XXXX Police report for the XXXX time which they seem to be ignoring. It seems more of a stall tactic because they are paid by companies to hold negative and positive information. I have sent to Equifax my Drivers License, FTC report and XXXX Police report several times. Original FTC report from XXXX attached as well. 

I demand that they promptly follow the proper reporting procedures immediately and delete the items that was involved in my identity theft case. 

All documents are attached again.
Complaint sub-issue: Trouble with how payments are handled

I am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you
Complaint sub-issue: Threatened to sue you for very old debt

A private number called me, and my ex-wife 's phone which hasn't been my number in 19 years, and left the following message : " Hello my name is XXXX XXXX bonded dispatch or operator number XXXX with the County Courier service office. Our office has been retained to deliver legal documentation to your property address. This is regarding a pending complaint being ordered and summons against a. If no contact is established today our field agents will be dispatch out to your property address and place of employment on record. It is very urgent that XXXX does contact the issuing firm today at XXXX and when calling refer to complaint case number XXXX. If no contact and samples with the issuing firm today will result as an order of non-compliance and after that it's my final attempt for delivery of the documents will be filed and recorded as a failed action to serve. Once again the phone number is XXXX. '' When I called back I got a XXXX XXXX who used more pseudo legal language and threatened to sue for an alleged debt from 2010. He threatened to go to my employer and file with the court if I didn't settle on the phone.
Complaint sub-issue: Debt was paid

One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX.  Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to XXXX in XXXX and was foreclosed on XX/XX/XXXX. XXXX XXXX has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency Dyck Oneal, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX , XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.
Complaint sub-issue: Investigation took more than 30 days

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

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: Their investigation did not fix an error on your report

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus 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, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Equifax. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX have violated my rights
Complaint sub-issue: Problem with fees

Discover  Credit Card From  XXXX  until now, currently  XXXX   XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now.   Why would anyone pay ove r 50 $  a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for.     I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since  XXXX .     Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.
Complaint sub-issue: Their investigation did not fix an error on your report

There are two XXXX accounts on my Equifax credit report that are both more than 10 years old. I spoke with XXXX and they verified this information. I processed a dispute with Equifax and they verified the info and the accounts were closed over 10 years ago but did not delete them, they said because I did a dispute that change my date of last reporting to the date I disputed them so it would be another 10 years which makes no sense. They only appear on Equifax, they don't have any negative history and they should be removed.