Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

I was XXXX  from XXXX untill XXXX XXXX this account was not activated or used by me. I need disocver to stop reporting this account. this account was inactive since XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX XXXX # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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

XXXX, XXXX, Equifax XX/XX/XXXX, I sent my 4th and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- 15USC1681B. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018, XXXX XXXX changed the way that they report Student Loan debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least 50 points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax and XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They are trying to reach XXXX XXXX, someone I do not know and have never known. He would not have had this phone number for over 10 years ( because I have had it exclusively all that time ). I tell them all of this every time and they say they will remove me. Then they start calling from a new outgoing number and pretend I've never told them that and they've never talked to me before. But it's always XXXX looking for XXXX XXXX. I tell them I'm on the Do Not Call registry and they ignore it. I think because they are probably debt collectors ( but they won't verify that with me because again I'm not XXXX XXXX and don't know him ). They won't tell me where they're getting my number from/why they have it erroneously connected to him. They're rude and confrontational. They lie.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!
Complaint sub-issue: Information belongs to someone else

On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with XXXX, XXXX, and XXXX with no avail. I 've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
Complaint sub-issue: Reporting company used your report improperly

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 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. 


XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft because there is a collection account from a medical company and i have insurance.
Complaint sub-issue: Information belongs to someone else

This is my second time reaching in regard to EQUIFAX. XXXX, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!
Complaint sub-issue: Information belongs to someone else

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I call Equifax and sent certified mail to remove inquiries unauthorized.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has furnished information to XXXX, Equifax and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, Equifax and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was checking my credit report and saw some unauthorized and unvalidated inquiries on there
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all XXXX credit bureaus, XXXX, XXXX  and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I tried reaching out to this bureau multiple times about these accounts that does not belong to me. this information is fraud and i want it investigated as soon as it can be and it needs to removed off of my credit report!
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report is a negative entry of a debt that is more than seven years old. The XXXX is more than seven years ago. The debt collector bought the debt and " re-aged '' the account. 

original creditor XXXX current creditor XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX amount XXXX dollars I asked XXXX to remove this entry and they did not.
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report.
Complaint sub-issue: Information belongs to someone else

I have had XXXX XXXX XXXX from XXXX To which I was XXXX  for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Complaint sub-issue: Information belongs to someone else

I have 2 open cases with Citibank Fraud Department that is not being handled professionally by Citi. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX XXXX # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to Citibank who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX XXXX however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The cash app id that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact Citibank and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by Citi. Please note I am a victim of identity theft and Citi is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX Citi XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX XXXX  Dept Complaint # XXXX -- -- -- -- -- XXXX XXXX Your Confirmation Reference Number is : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Lending Club, loan number XXXX, reported to XXXX that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXXXXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a Lending Club representative to the XXXX on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX letter. However, when I found out XXXX  XXXX XXXX returned my XX/XX/XXXX payment to Lending Club, I called Lending Club. On XXXX/XXXX/XXXX I was informed by Lending Club they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to Lending Club on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX complaint, XX/XX/XXXX Lending Club stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. Lending Club contracted themselves, they state in the XXXX  response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. Lending Club is not to report me late in XXXX or XXXX, I am enclosing my XXXX report where it shows the inaccuracy, XXXX response from Lending Club, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX  XXXX XXXX XXXX XXXX, hardship agreement.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, Equifax, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and Equifax that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
Complaint sub-issue: Account status incorrect

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX {$5000.00} Collection : XXXX XXXX {$0.00}