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

It has been drawn out into the open that Equifax is 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 Equifax 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 XX/XX/2022
Complaint sub-issue: Was not notified of investigation status or results

I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX. and myself, XXXX XXXX which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.

This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.

Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
Complaint sub-issue: Billing problem

I previously had COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/XXXX. 

Carmax stated that it had rectified the issue, and it appeared that it had. Yet, twice more, the problem occurred. The problem is the removal and seemingly automatic readdition of gap insurance and some maintenance plan. I don't understand how it can automatically be re-added, yet, it keeps happening, which takes my account from being in good standing, to seriously delinquent overnight. 

In XXXX, as I was assured that it was really fixed this time, I requested a payment extension to XXXX. On XX/XX/XXXX, I made that payment approximately ten days before it was due. When I attempted to make the XXXX payment, I couldn't online. When I called in, I was informed that the account had been charged off!!! I again spoke to the manager, XXXX XXXX, who had previously assisted me. He was as shocked as I was on the current status and began the process to get this rectified again. 

Yesterday, XX/XX/XXXX, I discovered that Carmax had updated my credit report with this invalid information, causing me to possibly lose the home I'd been preparing to get since early XX/XX/XXXX. This issue has caused hardship for my family and me as our lease ends at the end of this month, and we have nowhere else to go. 

At this time, Carmax can't be trusted to do as it says it will do. I heap accolades on XXXX XXXX for attempting to resolve this permanently for me, yet, at this time, I feel that only government and corporate-level intervention can fix this. And it may be too late for my family and me as our housing is now in crisis.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. Equifax is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, XXXX  and Equifax are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Complaint sub-issue: Transaction was not authorized

Back in XX/XX/XXXX, I started to pay for a XXXX trip with XXXX. I finished paying for it in XXXX. Unfortunately in XXXX XXXX stopped operations and cancelled all trips without refunds. They told people to contact their banks for refund. XX/XX/XXXX I contacted my bank XXXX and was told it wouldnt be a problem to do the dispute at first and later was transferred to someone else and told it can not be done. I cant contact the merchant at all. I have trusted XXXX to help me but they refused numerous times. I dont believe they have done all they could for me because i know if it was them or a family member who lost their money with a company they would fight to get it back. I still dont understand why im not protected from this transaction when i cant reach the merchant and have lost {$1000.00} when I have no product or services. I feel like that transaction was FRAUD. I have seen numerous people get their money back from XXXX due to XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I switched cell phone companies in XX/XX/XXXX from XXXX to XXXX XXXX XXXX and have been with XXXX XXXX XXXX since XX/XX/XXXX to present day ... I didn't open acct with XXXX in XXXX as debt collection states the acct was opened..The last 4 of SS # on acct is XXXX
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX, XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number:XXXX. Please remove phone number that doesn't belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : ENHANCED RECOVERY COMPANY- account # : # XXXX, XXXX XXXX XXXX account # : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Regarding complaint - XXXX Equifax stated they verified all information was accurate. 
My question is how was this information verified. What was Equifax method of verification. 
I need to know if Equifax followed reasonable procedures to verify my information, which is fair to me as a consumer, with proper regard to confidentially, accuracy, relevancy and proper utilization of the credit report Equifax is still reporting late payments Non public personal information is supposed to be excluded from my credit report, this includes transaction between myself and the furnisher. 
This is a violation of code 18 usc 894 I demand Equifax provide a agreement between me and them stating that I gave them permission to furnish any information on my behalf. 

I need proof of all of the above.
Complaint sub-issue: Other problem

I made a purchase on XX/XX/XXXXXXXX  in the amount of {$2000.00} on my Discover Card to XXXX XXXX XXXX. I was set to go on a trip in XXXX of XXXX, they initially re-scheduled my trip to XX/XX/XXXX. 

During the Pandemic, the company of XXXX XXXX XXXX filed for Insolvency. I was informed to reach out to the Credit Card to file a dispute. Which I did, multiple times. 

Discover has since said I need to reach out to the Merchant to resolve this, that there is nothing else they can do on their end. But as I explained, the Merchant is no longer.
Complaint sub-issue: Deposits and withdrawals

The company cash app provided by XXXX XXXX  sent me a direct deposit from XXXX of XXXX $ I was supposed to get XXXX
Complaint sub-issue: Personal information incorrect

I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have.

I only have the one social security no, only one. Only the correct one should be listed. 
XXXX
Complaint sub-issue: Personal information incorrect

I have contacted Equifax 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.
Complaint sub-issue: Can't use card to make purchases

After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX  XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX  30 days past due XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/21 I received a call from XXXX XXXX XXXX saying they were attempting to collect on a debt owed to Macys in the amount of {$3000.00}. I told the caller that I dont have an active account with Macys and havent for years. I told him I would dispute any debt. I have received numerous calls from XXXX XXXX Solutions although they never leave messages. I called Macys and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized hard credit inquiry, onXX/XX/XXXX XXXX XXXX XXXX used a service, Credco and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and Credco in writing to no avail. XXXX and Credco indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX refused to follow suit.
Complaint sub-issue: Problem with balance transfer

A balance transfer in XXXX of 2020 for {$5100.00} was initiated and Citi sent the check to the proper address but the name of the bank was wrong. That check was cashed at XXXX  XXXX XXXX. Since the bank name was wrong it never paid off the balance it was supposed to. 
I contacted Citi about the mistake and Citi sent another check for {$5100.00} to the same address but this time with the proper bank name and this time our balance was paid off. 
Now Citi wants to charge me {$10000.00} for one {$5100.00} transfer!!!!!!!!!!!! 
They tell me to find the missing check!!!!!!!! 
They tell me to call XXXX  XXXX XXXX and find it!!!! 
It says pay to the order of XXXX XXXX XXXX on the back of the check!! 
XXXX  XXXX XXXX will ; not talk to me because I do not have an account there!!!!!! 
Citi knows where the check is!!! 
They admitted it!!! 
Citi tells me they will call me back but they don't!!!!!! 

I am tired of being lied to, shuffled around and ignored!!!!!!!!!!!!!!!!!!!!!!!! 

FIX THIS!!!!!!!!!!!!!!!!!!!