Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I received a live check in the mail from Republic Finance and I didnt cash it. It was picked up by a family member and deposited into her account without my knowledge. I disregarded correspondence with this company because I assumed it was junk mail. Around the time they started legal action against me for a wage garnishment I was the primary XXXX for my XXXX XXXX  mother. I dont remember even receiving a court summons. My Mom eventually succumbed to XXXX XXXX and I went back to work and was surprised to find a big chunk of my pay missing. I have repeatedly informed this company that I didnt cash this check and this garnishment is causing me such extreme hardship that my utilities were disconnected and my XXXX year old daughter didnt get anything for XXXX. I cant afford to wait on them to keep investigating.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. It seems like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person. I was also told thatXX/XX/XXXX had a breach. I am deeply concerned because I don't know if I was impacted by that also.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt is not yours

I have attempted to contact the company to get this removed with no success..
Complaint sub-issue: Information belongs to someone else

I have submitted an identity theft report and the FCRA 605b ( 15 U.S.C. 1681c-2 )  statement to have an account from XXXX removed and the account was not removed. The FCRA 605b ( 15 U.S.C. 1681c-2 ) states that : a consumer reporting agency shall block the reporting of 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 by such agency. This was not done. They just did they regular dispute process and they did not remove the account.
Complaint sub-issue: Their investigation did not fix an error on your report

The unconfirmed accounts stated below continue to report on my credit report despite 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 authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$220.00}
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 any item 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 Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt was paid

I have been trying to make a one time payment on my account since XXXX because last month my autopay stopped working for the first time in over a year. I assume this is due to me trying to add {$100.00} towards my principal balance every month on my autopay since that is the only change I've ever made in my account. None of my attempted payments have gone through and my bank has said twice now that they are not seeing any attempt to charge my account. Loancare keeps adding return fees and late charges to my bill and the representatives will just hang up on me instead of helping me resolve the issue. After being told multiple times by a representative over the phone and receiving email confirmation that my XXXX payment went through, it has not. I contacted Loancare via phone today to try to resolve the issue again and got the representative to double check my routing and account information. My account number was incorrect. How is this even possible when I have been on autopay over a year and not touched or changed it at all? You'd think a representative would check those things first if there were an issue but not one person I spoke with actually tried to help me out. Loancare is making it impossible to pay my monthly bill and none of their representatives actually stay on the phone to help. I've also reached out to Loancare via email and they sent " give us a call ''. The least helpful response.
Complaint sub-issue: Debt is not yours

Also, please see attached on IQ Data response to the dispute we sent out. They have included only a summary of charges. This is NOT sufficient proof.

I have included a copy of an email to XXXX 30 days prior to moving out requesting a call back, and confirming I would not be renewing my lease. The reason I am adamant on disputing this is because of the following.

1 ) I did due diligence trying to turn in a formal notice to the office. I went by the apartment office three separate times during normal business hours and they were closed.

2 ) I left several voicemail messages asking for a call back. I never heard from anyone.

3 ) I sent an email 30 days prior to my lease expiring stating that I would not be renewing and that I needed a call back to know what my proration would be for XXXX. Again, no response. 

4 ) I professionally cleaned the apartment and dropped the keys off in the drop box prior to my lease expiring.

5 ) I spoke with the maintenance manager and he told me that XXXX XXXX  were undergoing major changes and complete staff turnover was happening. This must be accurate as they no longer are called XXXX. New signage indicates its now called XXXX XXXX. 

This proof sent by IQ data is nothing but an invoice.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I believe the 3 credit bureaus are making it incredibly difficult ( on purpose ) to file disputes, and follow up on disputes online and on the phone. The XXXX portal is reporting an error when I try to file a dispute. I attempted this on 2 different browsers, 2 different computers, and on consecutive days. The Equifax site is not allowing me to download the PDF with the results to my dispute. Equifax is not allowing me to comment on my Dispute and add subsequent documents justifying my claim.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 Credit opened with Macy 's by someone under my name, home address, SSN. 
Contacted Macy 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

this loan got turned over to a lawyer that bought the debt and the kids were paying on the debt for a couple of years the loan got bought back by the orginal lawyer and they never reached out to the kids and they sent me the information which I forwarded to the kids and they called and the lawyers wanted some ridiclous amount and nothing has come of it .
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I am XXXX XXXX and submitting this complaint myself and there is no third party involved. 

On XX/XX/2021 Flagship Credit Acceptance violated the cease and desist order sent to them by certified mail on XX/XX/2021. Flagship Credit Acceptance agent " XXXX XXXX '' informed me in a phone conversation ( that I initiated in order to expedite the process ) that they ( Flagship Credit Acceptance ) received the cease and desist demand on XX/XX/2021 and noted the information on the account file for the " alleged debt '' then referred me to a senior account specialist in XXXX, but I was never able to get in contact with them that day or today. Flagship Credit Acceptance mailed a billing statement to my home address after I demanded/ordered the company ( Flagship Credit Acceptance ) to cease all contact with me. Flagship Credit Acceptance has still not validated this " alleged debt '' pursuant to 15USC1692g nor have they ( Flagship Credit Acceptance ) responded to the invoice sent to them for the Title 15 damages itemized in the summary of charges that was sent to them by certified mail on XX/XX/2021. All evidence of my claim is attached and I would like this matter resolved quickly and damages paid to me by check. The " billing statement '' also has the same violations from the first " billing statement '' in question which would double their invoice fee. This action is a willful violation of my rights as a federally protected consumer and they should be held liable both criminally and civilly pursuant to 15USC1611 and 15USC1640. 

I, XXXX XXXX, am a natural person/consumer
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted.
Complaint sub-issue: Problem getting my free annual report

I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XX/XX/2018 called from unknown number indicated that they are " XXXX XXXX   '' advised that they have court documents, but no law suit has been filed with county, company is not located in the same state, the debt is past the statue of limitations to file a law suit.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello CFPB, Good Evening : ) I am writing to file a complaint with bank and credit agencies that they were not able to fix this thing and putting some other identity information and charge off collection amount information on my credit report and the bank people had send me couple of multiple letters stating that I need to pay the debt off which I need to pay, where actually I don't have a bank account with them at all and they are asking me to pay, I don't know how they got my identity information and they are harassing me to pay money from past one year and I made so many phone calls to bank and credit bureau agencies to fix this problem and they are not able to help me and still they are playing with my identity and as of now I lost my credit score a lot and the result is no one is giving me any loans nor either a credit card, where it effected my score, identity completely. so I need some help and fix my credit information on my credit report properly.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an open XXXX XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Information belongs to someone else

Someone with my information opened a Best Buy and Macys credit card. Each with a balance of over {$1000.00}. The purchase made was NOT mine and dropped my credit score over 80 points. Tried to dispute through credit karma and nothing has happened. Also have already filled a police report through the walled lake police department with Officer XXXX.
Complaint sub-issue: Information belongs to someone else

I have been disputing 6 fraudulent Accts on my Equifax credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/XXXX {$3000.00} Dept of Ed/XXXX {$1400.00} Dept of Ed/XXXX {$4300.00} Dept of Ed/XXXX {$8400.00} Dept of Ed/XXXX {$4600.00} Dept of Ed/XXXX {$10000.00} I have sent notarized letter to XXXX , copy of SScard, picture of ID so they could analyze my signature, Police report to Equifax and XXXX to prove Identity theft and these accts still remain . These accts are NOT mines please remove.
Complaint sub-issue: Account status incorrect

I am name is XXXX XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Debt was result of identity theft

I have a collection from IC System for an account with XXXX XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. I am a victim of identity theft and this was done by someone other than myself. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.
Complaint sub-issue: Reporting company used your report improperly

I went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX 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
Complaint sub-issue: Personal information incorrect

I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.
Complaint sub-issue: Company closed your account

Ally Bank shut down my accounts today and withdrew {$2400.00} with no warning. I called them today and they could not give me the reason. They just said they had the right to do it as a part of my agreement. I know have to wait for checks to arrive in the mail in order to pay my Bills. This will cause me a lot of unnecessary work since I now have to change my direct deposit for update and update the accounts for all my ach transactions. The escalations XXXX disconnected the call when I requested a better resolution to the issue.