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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the  physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX
Complaint sub-issue: Funds not received from closed account

My baby sister, XXXX XXXX XXXX, WAS KILLED ON XX/XX/XXXX. CITIBANK WHERE OUR ENTIRE FAMILY BANKED FOR THEIR BUSINESS, HOME MORTGAGE ... AND DAUGHTERS AD WELL. 
WE CONTACTED THEM, CITIBANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX FOR ACCOUNTS ENDING IN XXXX. 
LETTER DATED XXXX XXXX XXXX IS IN MY HAND FROM CITIBANK WITH INSTRUCTIONS WHICH HAVE BEEN DONE NUMEROUS TIMES, VIA FAX, VIA REGISTERED LETTER. BANK REQUESTED, TRANSLATED DEATH CERTIFICATE, LEGAL LETTER OF EXECUTORSHIP, ACCOUNT NO.. 

THE ONLY INFORMATION AVAILABLE IS THAT THE ACCOUNTS ARE CLOSED. WE CAN NEVER GET ANY INFORMATION OTHER THAN IT WAS RECEIVED BY XXXX. 
IT IS NEARLY END OF XXXX. THE MONEY WHICH IS XXXX. IS NEEDED FOR A LAWYER TO SUE XXXX WHO KILLED HER AT AGE XXXX. 
MY FAMILY AND ARE GRIEVING AND THIS HAS BEEN A SHOCK. HOW MANY TIMES MUST IT BE DONE ESPECIALLY WITH CONFIRMATION OF RECEIPT AND ONCE AGAIN CAANOT REACH THIS XXXX. 
IT IS A DISGRACE THAT IN DEATH THEY HAVE TO MAKE YOU SUFFER. WHEN THEY WERE CUSTOMERS AND NOW ARE IN ANOTHER COUNTRY, HAD TO PAY AND GO TO GREAT LENGTHS TO TRANSLATE BY ACCEPTABLE SOURCES THEY REQUEST. 
MY FAMILY IS ELDERLY, AND WE ARE ALL BARELY SURVIVING THIS TRAGEDY. 
FOR XXXX IT HAS BEEN NEARLY 8 MONTHS AND WE ARE NO CLOSER. 
THEIR SUPPORT SEVICES ARE IN XXXX ... THEY REALLY SHOULD BE FINED AND ABSORB THE COSTS. 
THEY ARE NOT IN NY AND IT IS CONSIDERABLY EXPENSIVE TO SEE A LAWYER, AMERICAN CONSULATE ... 
DISCHUSTING.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX finance in 2018 and provided a court order to remedy my dispute. XXXX returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. XXXX financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, XXXX financing refused to honor the court order and placed this negative debt on my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX contacted XXXX. She stated I did not pay on my account and failed keep the arrangements I made. XXXX stated a payment was not received since XX/XX/XXXX. XXXX attached receipt that a payment was made on XX/XX/XXXX. 

I know this company is attempting to damage my credit by stating my payments are not being received. XXXX is unprofessional and rude and intentionally disconnected the call. Repeated attempts to call back with no avail. I want the record to show and the evidence of the attached documents that I am keeping the arrangements set by me. END OF STATEMENT
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX corelogic XXXX false statements made on behalf of corelogic and fake letters they said they sent.
Complaint sub-issue: Debt was result of identity theft

Notice for Proof of Claim Account : JEFFERSON CAPITAL BAL {$580.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

I have a XXXX account that was closed. I was XXXX of XXXX people on that account. I left that contract and the person on the account defaulted on the account. It shows in my credit report ( Equifax, XXXX and XXXX ) as an Open account. This account is closed and I paid the remaining balance out of Good Faith. They still report this on my credit report and did not remove this error.
Complaint sub-issue: Transaction was not authorized

I woke up on XX/XX/19 and had a notification from my bank about possible fraud. After looking at my account I was able to confirm that {$140.00} was withdrawn from my account at an ATM in a different state. When I contacted my bank to report the fraud they told me that I couldn't report fraud to them at this time. They asked me to call back and report the fraud after 3 business days. I called 3 times and finally they allowed me to report the fraud immediately after explaining to them my rights under Electronic Fund Transfer Act. BB & T was the bank. They did the same thing to me with a previous fraud and they failed to compensate me within the required time.
Complaint sub-issue: Problem using a debit or ATM card

I should have done this sooner. I assumed Direct Express was safe.    Direct Express/Comercia Bank  have cut me off from looking at my own account online! For months now.   I had to call them the get   XX/XX/XXXX  and  XX/XX/XXXX  sta tements.   Accordingly the {$950.00} someone hacked my account for has not been replaced. Now I guess I will  need  XX/XX/XXXX  and  XXX  2017 stat ements.   They tak e 7 t o 10 days ...   They told me they replaced {$850.00} but that is not on either of these statements.   They replaced {$100.00} for me to live on for an entire month!   They charged me {$1.00} transfer fees and {$4.00} for a new card. Why? I did n't have anything to do with hacking my account.   This is the second time my account has been hacked.
Complaint sub-issue: Problem with personal statement of dispute

I disputed inaccurate information on my XXXX, XXXX  and equifax reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Complaint sub-issue: Was not notified of investigation status or results

I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.
Complaint sub-issue: Problem with fees charged

XX/XX/XXXX CARMAX INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General of Louisiana This is an initial communication to notify CARMAX INC that I, XXXX XXXX XXXX, consumer, have recently discovered adversity within the transaction associated with contract number XXXX During this consumer credit transaction initiated and consummated on XX/XX/XXXX I was asked by CARMAX INC to remit a down payment of {$1500.00}. Pursuant to 12 CFR 1026.18 in conjunction with 15 USC 1605, the amount financed is the sum of all charges in the dollar amount. The respective statute also affirms that The finance charge does not include charges of a type payable in a comparable cash transaction. 

Upon review of my retail installment contract, I noticed that the alleged required down payment is listed and acknowledged as a cash payment. Pursuant to 15 USC 1611 and 15 USC 1640, CARMAX INC, are both civilly and criminally liable for said violation of my federally protected consumer rights. 

In exercising my rights as a consumer, I hereby demand that within 15 days of receipt of this letter, my down payment of {$1500.00} is made payable to XXXX XXXX XXXXXXXX and mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Kind Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved UCC 1.308
Complaint sub-issue: Debt is not yours

Jefferson Capital Systems is a debt collection agency. They do not have the right to report or collect a debt from me. I do not owe this company any money. They have reported on my credit report I owe them money. I have repeatedly asked them and XXXX XXXX/XXXX to delete from my credit report as it is meets FCRA requirements. They will not remove from my credit report.
Complaint sub-issue: Information belongs to someone else

My Equifax credit report shows that there is and XXXX XXXX account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.
Complaint sub-issue: Information belongs to someone else

I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX  XXXX. DPT EDXXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Accounts # XXXX ( XXXX XXXX ) XXXX. US DEPARTMENT OF EDUCATION XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX XXXX 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed two accounts twice with all credit bureaus, Equifax, XXXX and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX  was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with Equifax. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with Equifax, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

My problem is with the firm handling the Equifax breach settlement. My wife handled freezing our credit reports at XXXX and XXXX after the breach and learning on the Equifax site that both of our personal data may have been stolen. ( My wife 's definitely was. ) In XX/XX/2022. THREE YEARS LATER, the settlement firm requested additional info supporting my claim for the {$20.00} we paid to place freezes at XXXX and XXXX. We submitted all the info but they denied {$10.00} because our submission was deemed deficient. I am uploading, now, what we sent them as documentation and my accompanying letter. Our credit card statements showing the charges for the freezes should be sufficient. Thank you for forcing them to be reasonable.
Complaint sub-issue: Information belongs to someone else

I was part of the Equifax Breach. Equifax refuses to remove inquiries that were not mine. This affects my credit score. They continued to tell me I needed to contact each company. I refuse since they allowed my information to be accessed. I have received 2 years of harrassing call
Complaint sub-issue: Account status incorrect

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification. Equifax contacted me and stated that they don't have my profile. I have attached the FTC report and my ID. Please remove the fraudulent inquiries ASPAP.
Complaint sub-issue: Investigation took more than 30 days

Please note that this complaint is in reference to complaint number XXXX-XXXX  that was sent to LexisNexis on XX/XX/2019, requesting LexisNexis to contact XXXX credit Bureau to remove the bankruptcy records from it's files and delete it. 

LexisNexis is being held responsible for selling my private and public information and selling it to XXXX  Credit Bureau for profit without any consent or authorization from me. 

It has been over 30 days on this complaint, LexisNexis never made an attempt to reply or even made an attempt to contact this predatory credit bureau XXXX   what so ever.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  {$96.00}? 
Account was settled with XXXX XXXXXXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
Complaint sub-issue: Problem with rewards from credit card

I can see that your have a total cashback of {$24.00} on your account, you can redeem it in chat or in call. 
-I never said anything about redeeming but and my cash backs never show up in my account -Citi DoubleCash 1 % buy,1 % when you pay Payments : XXXX statement : XXXX XXXX XXXX $ XXXX = XXXX $ Citi gave me XXXX $ cashback instead XXXX statement XXXX XXXX XXXX $ XXXX XXXX {$0.00} in return
Complaint sub-issue: Problem during payment process

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS??? 

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.