Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Please refer To Attached Documents. Follow all steps on account on affidavit and remove accounts. The XXXX  being removed will be headed to court and FINED!! If you'll DO NOT read the letter and take appropriate actions. 

Per 15 USC 1681c ( a ) XXXX  information is Excluded from the consumer 's report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.
Complaint sub-issue: Investigation took too long

Equifax has not removed the credit inquiry from XXXX XXXX place on XXXX XXXX, 2016. They advertise they have 30 days to remove the inquiry if incorrect. They are not reading the original complaint Case number : XXXX. This needs to be removed as it was not authorized within my original complaint. Equifax consider this my demand to remove it immediately. I will not stop complaining until it 's corrected or I 'll have my attorney handle it directly. This is being used for documentation purposes.
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 day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Complaint sub-issue: Didn't receive enough information to verify debt

I previously disputed a debt with AR Resources to no avail. I saw they are continuing to collect the alleged debt. I continue to dispute the validity of the alleged debt in its entirety. Further I have requested verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor, which I have not received. they are illegally attempting to collect an alleged debt, which has been disputed. As per the law, I DEMAND deletion of any credit reporting to credit reporting agencies.
Complaint sub-issue: Debt is not yours

I originally signed up for services with XXXX XXXX XXXX for which they indicated that I would be receiving internet with the bundled services. I was later informed that they could not provide the service and that they would be contracting that portion out. I told them if that was the case I did not want to move forward with the activation and they said okay. Now there is a collection with IC Systems for internet service for which XXXX XXXX XXXX never provided. I went with a different internet company.
Complaint sub-issue: Received bad information about your loan

Student Loan Servicer, Mohela, Improperly Recalculated My Payment and Changed My Payment Plan Mohela improperly changed the repayment plan and repayment amount of my student loans upon receiving them from XXXX XXXX. Mohela wrongly assumed that my recertification deadline was missed because Mohela does not have any information regarding my successful IDR recertifications since XXXX, Mohela confirmed that they do not have information regarding prior successful recertifications from XXXX XXXX after XXXX. It is unknown why and the extent to which Mohelas information regarding my loans is incomplete. 

I received a letter from Mohela in which Mohela incorrectly states that the monthly payment amount for my income based repayment plan changed because I did not renew my prior IDR plan. Mohela also incorrectly states that my repayment plan has changed because I did not renew my prior IDR plan. 

I have been on the Income Based Repayment plan continuously since XXXX and have never missed a recertification deadline. My last required certification was in XXXX. The Cares Act paused all recertifications after XXXX, XXXX XXXX. I was not required to recertify in XXXX as my recertification date was XX/XX/XXXX which fell after the enactment of the Cares Act. I recertified prior to the deadline in XXXX and received confirmation from XXXX on XX/XX/XXXX ( see attached photos of XXXX letter confirming recertification in XXXX ). 

The Department of Education explicitly states the earliest you are required to recertify is XX/XX/XXXX. You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. You may still see a recertification date that is earlier than XX/XX/XXXX on your account Aid Summary. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. 

https : XXXX # when-to-recertify ). 

I have not been required to recertify since XXXX and the earliest date I will be required to recertify given my last required recertification date of XX/XX/XXXX will be XXXX of XXXX given the language of the Cares Act If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws,
Complaint sub-issue: Reporting company used your report improperly

To be in correlation with the FCRA, the below list of accounts are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states that I have the right to privacy 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 USC 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 the information is inaccurate
Complaint sub-issue: Not given enough info to verify debt

I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,
Complaint sub-issue: Investigation took more than 30 days

OnXX/XX/XXXX i sent in disputes against many inacuracies i have spotted. Under 15 USC 605b there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming 15 usc 1681a. The bureaus have taken longer than 30 days and is affecting and violating my rights and freedom as i am looking to purchase property.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting XXXX  XXXX  XXXX  in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.
Complaint sub-issue: Fraudulent loan

This is not my debt I dont recognize this information is there anything that I can send into the prove.I have no acknowledgment of this information
Complaint sub-issue: Fraudulent loan

On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.
Complaint sub-issue: Their investigation did not fix an error on your report

fraudulent and incorrect accounts reporting on my credit report, I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

IN REGARDS TO : EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX. I HAVE SENT COUNTLESS CERTIFIED DISPUTES AND LETTERS ON BEHALF TO EQUIFAX THAT THEY ARE REPORTING INOFRMATION THAT DOES NOT BELONG TO BE AND IS FRAUDULENTLY OPENED OR BEING REPORTED ON BEHALF OF OR MY SOCIAL SECURITY NUMBER OR NAME AND I AM NOT VERY HAPPY ABOUT THIS. XXXX XXXX XXXX ARE BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATEDLTY. I HAVE NO BUSINESS WITH THIS COMPANY OR RELATIONSHIP OR DEALINGS AND I DONT UNDERSTAND HOW THIS COULD BE HAPPENING TO ME. WHY IS EQUIFAX NOT REMOVING OR DOING PROPER INVESTIGATIONS LIKE THEY SHOULD BE DOING.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to XXXX clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. XXXX has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of.

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

more specifically the XXXX Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX did not disclose this information to me that is required by federal law. 
XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

Please see attached the letter sent to XXXX  addressing this violation and their letter back to me.
Complaint sub-issue: Was not notified of investigation status or results

To Whom it may concern, I received an email from XXXX XXXX  stating that my credit score went down XXXX points because of a late payment to Loan Care LLC. I have never had a late payment on my credit. I called Loan Care and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through XXXX XXXX Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called XXXX XXXX XXXX  and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from Loan Care about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by XXXX XXXX it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by XXXX XXXX that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to Loan Care and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

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

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX  XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$51.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$150.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 XXXXXX/XX/XXXX
Complaint sub-issue: Information is not mine

XXXX accounts I found on my credit report. I have sent numerous letters since XXXX. XXXX out of XXXX accounts were removed. The other XXXX I have asked for hard proof of my signature to those accounts, or any validation in paper these accounts belong to me. And they can not come up with nothing.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX 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: Account information incorrect

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An inquiry was made on my consumer report on XX/XX/2022 from USBancorp. This was a result of identity theft. I have attached a utility bill, W2, and an FTC Identity Theft report.
Complaint sub-issue: Information is missing that should be on the report

Equifax is not reporting my information correctly on credit file. My social security number is missing on Equifax credit file. Starting from XX/XX/2019, I have sent multiple documents to Equifax in order to update my SSN, including a proof letter from Social Security Administration, Driver 's license, and cover letter of problem statement. However, agents from Equifax said they couldn't make the updates and couldn't disclose the reasons. I think it is unreasonable and irresponsible so I need Equifax to investigate and update my SSN.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention

they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Information belongs to someone else

Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX