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

I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 8 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to XXXX   XXXX. The new accounts reflect current and a XXXX  balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Equifax on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. The XXXX accounts have been removed however the 8 Department of Education accounts remained. These accounts need to be removed.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX was sold an account from XXXX XXXX sold an Account number XXXX that allegedly belonged to me with a amount due of {$3400.00}. I am requesting for XXXX XXXX to provide me with a copy of the original contract, which bears my signature, for the aforementioned account.
Complaint sub-issue: Information belongs to someone else

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : CREDIT PLUS XXXX XXXX XXXX, MD XXXX  ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act 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: Reporting company used your report improperly

I was affected by the Equifax data breach I didnt consent
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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: Information belongs to someone else

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX  XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.
Complaint sub-issue: Need information about your loan balance or loan terms

FedLoan : Account Number : XXXX XXXX XXXX I requested letters regarding payoffs, as well as a credit bureau update. I had two loans with FedLoan. I have received one letter regarding only one of my two loans I paid off. ( The attached document they sent only refers to one of my loans. ) I paid the combined balance on both loans. I request that they please send me documentation detailing that both of the loans have been satisfied. Sincerely, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A charge for {$43.00} was placed on my Citi card on XX/XX/XXXX. I only use this card for emergencies. I submitted a dispute to Citi. After the fraud investigation, the put the charge back on my card. I contacted Citi and they said the vendor informed them merchandise was delivered to my address. I told Citi this company that charged me is a fraudulent company. I never placed an order and I never received anything. Citi asked that I email them a written statement to dispute this charge again. I sent it on XX/XX/XXXXand have not heard back. I sent them a password reset used on the fraudulent companies website. The email came back in XXXX and I do not have an account with them. I contacted the fraudulent companies phone number and they say in their voicemail that they do not have a call center and that I had to email them for help. I did that, and of course there is no response since the company is fake. Citi has not taken appropriate actions to resolve this charge. I am a loyal customer and never missed a payment.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, Equifax, XXXX and XXXX are all in direct violation of the FCRA laws listed below. 
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.

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 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$11000.00} ; LXXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have recently reviewed my credit report and score which have been affected by your company 's inaccurate reporting and scoring. 

I noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. 

You guys did not respect my right to privacy which is under 15 USC 1681 a number 4.

You did not exercise your grave responsibility, you were unfair, and you were partial. I have already taken the liberty and filed an attorney general 's complaint. 

You never had a permissible purpose Under 1681 b number 2. 

I never instructed you guys to furnish this report and I never consented to this report in the first place. 

What I am demanding right now is that you guys delete all these inquiries off my report right now Inquires to be deleted are just below this sentence. 

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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Debt was paid

To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of XXXX located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency Equifax & also the Consumer Bureau Protection, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company XXXX has over two-hundred and forty complaints on Consumer Bureau Protection Website and all  consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold XXXX responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, XXXX placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting XXXX to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting Act XXXX  has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXX XXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,
Complaint sub-issue: Used obscene, profane, or other abusive language

Autotrakk LLC has repeatedly harassed and physically threatened me, and went as far as sending a strange repo company to my home during the nighttime, while I was at home with my small children. The first reposession company that came to my home was represented by two men, and they had one of the employees call me a XXXX. I told them that I would call their boss, and the person stated that I own the company maam! I was scared to the point of soon moving out of my home. I was wishing to be done with their tactics, and soon turned the car over to the second company that they sent to my home. They still sent the Sheriff to my house, after the car had been gone for months!!! I still had paperwork to prove that I turned the company over to someone sent by Autotrakk, and the sheriff advised that he would take care of it for me. They report incorrect information, and use threatening tactics in an attempt to XXXX  people. I have documentation of the full balance changing several times. I was told that they either need the full balance, or their vehicle back. I should not be held liable for both!!! wish that I would have consulted with a lawyer, but I am giving them the chance to rectify this through this complaint, and to leave me alone, and remove this erroneous information from my credit report. The financial and emotional distress that this has caused me, during a transitional period during my life has been beyond words. I am saving up to get a lawyer to defend me against this shady company and their violent tactics and untrue reporting.
Complaint sub-issue: Reporting company used your report improperly

I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks
Complaint sub-issue: Account information incorrect

Several months ago, I was going to go to a job interview to see that my XXXX  XXXX was wrongfully repossessed. I had called Volkswagen to have 2 payments differed due to the COVID-19 pandemic. I called Volkswagen because I knew something didnt make sense. They listened to old phone call records to hear where the representative at Volkswagen agreed to the differed payments but never notating the account. They returned my vehicle 2 days later. 
In XXXX of XXXX, I traded that vehicle in for a XXXX XXXX where the dealership paid the remaining balance on the loan. I called that dealership on XX/XX/XXXX to confirm and they did pay the loan and the vehicle is now registered to someone else. 
On XX/XX/XXXX I tried purchasing another vehicle to learn that there is a repossession on my credit report from Volkswagen when there shouldnt be.
Complaint sub-issue: Received bad information about my loan

I received a letter from XXXX the holder of my student loan, that they transferred my loan to a company called Firstmark Services. I was given contact information and a address for where to send my payments. I registered on their online student loan account, but saw no activity or an account set up for my XXXX student loan. I called Firstmark Services to inquire about my student loan account after I sent a payment to them on XX/XX/XXXX and saw no activity on line. I was told by a loan specialist, XXXX that XXXX never transferred my loan to Firstmark Services. 

I told XXXX that Firstmark Services cashed my check on XX/XX/XXXX. I asked him if the money was never applied to my loan account then where was it applied, he said he did n't know. During the conversation he agreed that I needed a refund for the payment, because it was never applied to my student loan account, because I did n't have one at Firstmark Services. Since XX/XX/XXXX I have tried to work with XXXX to obtain a refund for the payment that was never applied to my account, because I do n't have an account with Firstmark Services. 

XXXX does n't return my calls. He claimed that he put in a requests for a refund on XX/XX/XXXX, but as of today I have received no check from Firstmark Services. I tried to call XXXX but was unable to get pass the automated system to speak to a live person. I have been making the payments to my loan with the previous company, XXXX who XXXX transferred the loan to first before tranfering it again to Firstmark Services. 

i need to get a refund from Firstmark Services for the money I sent to them that is not being applied to my student loan account.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XX/XX/2019 a purchase at XXXX XXXX XXXX # XXXX in XXXX XXXX, Tx for {$67.00}. On XX/XX/2019 a purchase at XXXX XXXX  # XXXX in XXXX XXXX, Tx for {$2.00}. Fraud report filed # XXXX. XXXX XXXX 's in XXXX XXXX, Tx. Informed that there is no XXXX XXXX in XXXX XXXX with the store number of # XXXX, # XXXX. Called the card company several times, but never transferred to the Fraud Division. XXXX XXXX XXXX    XXXX XXXX number is XXXX (? ). Wrote a letter to the company, no response. Card replaced!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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: Problem getting my free annual report

Equifax will not provide my annual Credit report online, after several requests. All information was accurately answered to identify myself.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed item to be removed being   XXXX    removed item from my report as a result of their investigation.