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

This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Debt was paid

I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. 

In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. 

On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. 

I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. 

I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.
Complaint sub-issue: Problem while selling or giving up the vehicle

My complaint is about a leased vehicle where my insurance company paid the bank approximately $ XXXX more than the value of the vehicle after it was declared a total loss. 

My wife and daughter were in a hit and run accident. My wife was the driver and was found to be at no-fault. The vehicle was a total loss. It was leased from US BANK in XXXX XXXX. XXXX XXXX settled and sent a check directly to US Bank for an amount that is more than the value of the vehicle when it was leased to us 13 months ago. The lease shows that the agreed upon value of the vehicle was {$50000.00} ( Gross Capital Cost ). However, I also have a statement from US Bank dated XX/XX/XXXX that states that if I were to purchase the vehicle, the pay off amount was {$45000.00} I had just renewed the registration in XX/XX/XXXX and within the 13 months prior I purchased a few after market products that were installed in the vehicle for approximately {$1700.00}. All of our add ons, except for one item ( worth {$53.00} ) were still intact despite the accident. Receipts for those purchases were sent to our insurance company. XXXX paid the bank {$54000.00}, which if based on the pay off amount on the XX/XX/XXXX statement is {$8200.00} more than what it was worth 13 months ago. 

My wife and I reached out to the bank about the overage to find out if they would send it ( or a partial amount ) to us but they said we are not getting any refund from the settlement check, and they claim that we are not entitled to any amount at all. We called the bank and the insurance company and they are pointing fingers at each other. The bank can not point out the provision on the lease contract that states they are the entitled to the surplus amount and we were told to contact our insurance company. XXXX said they were told by the bank to send them the full amount and at that point there was nothing they can do. 

I believe the bank and insurance company 's actions were unjust and unethical.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have submitted FTC 's 5 times at this point. I get mail stating the inquires will be removed and they haven't been. I call in and they tell me to submit it again. This is out of control and they need to do as they said. This seems to be illegal and XXXX going to consult a lawyer.
Complaint sub-issue: Information belongs to someone else

Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Complaint sub-issue: Debt was paid

I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.
Complaint sub-issue: Problem getting your free annual credit report

Equifax was contacted by consumer by means of formal letter for request of annual free credit report on XX/XX/2020 which resulted in denial service. 
Consumer is blocked from making an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. Consumer holds guarenteed lock to credit report with security freeze ; Equifax denied all participation accept disputes for consumer credit at this time. Consumer has rights to review and inspect credit holdings at any time which has been denied. Please help resolve as identity has been breached as security freeze dishonored by response of personal information does not match consequently. Soil born obligation to investigate any discrepency with personal identity with financial institutions. Gracious!
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing the account XXXX XXXX XXXX account # XXXX the collection agency has re-aged this account according to the original creditor A-L Financial Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX XXXX XXXX XXXX is reporting 3XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.
Complaint sub-issue: Debt was result of identity theft

CRA violation fraudulent XXXX XXXX  XXXX account on my Equifax credit report. FTC ID Theft Report # XXXX
Complaint sub-issue: Having problems with customer service

I have paid my private loan payments to my loan servicer, American Education Services, on time for about a decade. I asked about removing the co-signer on my loan, given that I have an exemplary record of payment and a steady income, and the company informed me that while they could do this for some loans, they could n't for mine. They offered no explanation, no alternative, and no mechanism for escalating the issue ; they just said it was a feature of the loan and not a function of my particular status. This seems like a pretty basic service that a payee in good standing should at least be eligible for. ( In my case, my co-signer has never been necessary for my loan, and the company continues to send the co-signer information about my loan, which is both puzzling and worrisome to my co-signer -- even though there is actually nothing to worry about. ) Their solution to my wanting to remove a co-signer that is no longer relevant to my account/status was for me to change lenders, which seemed like ridiculously poor customer service.
Complaint sub-issue: Talked to a third party about my debt

I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the equifax data breach and would like these errors removed from my credit profile as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privayc.

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: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card was charged to an ATM withdrawal that was not made by or authorized by me. I contacted Citi Cards within minutes of the fraud and the card was canceled and the fraudulent transaction was acknowledged. Citi Cards has since investigated the {$2700.00}. ATM withdrawal, and the {$130.00}. transaction fee, and the {$31.00}. interest fee for this XX/XX/2020 transaction supposedly in XXXX ( told to me by Citi ). Citi has since sent me a letter saying that I made the transaction ( traveled to XXXX from Texas ) and I was therefore libel for the money. I have repeatedly told Citi that I did not have any part or knowledge of this transaction and that the entire event was fraud. They Citi requested a letter from me to this effect and I complied. I have since contacted Citi Cards and they repeat that they have closed the investigation and will not reopen.
Complaint sub-issue: Didn't receive services that were advertised

Was told by Credit Karma that I was pre-approved for a 0 %, 18 month balance transfer credit card. I applied and was denied. Hard inquiry and rejection affected my credit score, so now I'm paying more for my re-finance. I would have never applied for the card if they didn't say pre-approved. This hard inquiry and denial dropped my score to a lower tier.
Complaint sub-issue: Reporting company used your report improperly

I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I am very frustrated! Some company online stole my information and charged over 1000 dollars from my unemployment account. Its ReliaCard, They have put in a dispute they say? I can not pay my bills because they have a hold on my unemployment money. Why should I be punished for the people who stole my identity. I am completely broke and can not pay my bills my rent is going on 2 months late! This ReliaCard is horrible. When I call they do not know what they are talking about, I get a different response every time, I have sent in my drivers license, my sac. A electric bill, what do they want next my DNA. Please please help me.
Complaint sub-issue: Was not notified of investigation status or results

Equifax data breach really sucks and all my ssncredit card driver license was leaked and using now by other people they leak my info
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XX/XX/XXXX - XX/XX/XXXX I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XX/XX/XXXX - XX/XX/XXXX. Please assist me in getting these late reportings removed from my credit file.
Complaint sub-issue: Account information incorrect

Student loan taken out. I 've never been to school
Complaint sub-issue: Information belongs to someone else

i recently obtain a copy of my credit report and noticed accounts i did not authroize
Complaint sub-issue: Account status

Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. 
I am requesting that the credit bureaus delete the information or correct it. 
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXXXXXXXXXX
Complaint sub-issue: Account information incorrect

The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with Equifax Information Services and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing and sending letters to the bureaus and they have done nothing. I have received no letters or seen any updates to my credit. I will attach letters I send previously but there have been more.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Original creditor XXXX sold debt to collection agency meaning they wrote off the debt on their taxes which wrote off my obligation to pay. 
Contract was cancelled. NO CONTRACT
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: No notice of investigation status/result

I have disputed the validity of a debt in writing over four times requesting proof of the alleged debt, and to date the credit bureaus as well as XXXX XXXX has failed to provide me with a copy of the bill so that I may adequately dispute the charges. The credit bureaus response continue to be " the debt has been validated '' however no proof of how they came to that result has been provided.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I mailed a letter, which I have enclosed as proof, to Factual Data about a hard inquiry they placed on my credit report. You can see in the letter that I wrote them, I asked them for " written proof '' authorizing their agency to view my credit history. In their response, which is also included, they state that, " Factual Data provides credit information from CRA 's to its clients, which are primarily banks, mortgage companies and other lending institutions that have a PERMISSABLE purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. '' Factual Data, as it's own agency, has no signed proof of me granting any such permission to view my credit history, and its client, XXXX XXXX XXXX XXXX has no such proof of permission from me either. I demand that Factual Data remove any hard inquiries made on my credit report to any of the bureaus, and remove any information they have gathered on me in their files. They are violating my FCRA rights as a consumer, and if these inquiries are not removed, I will bring a law suit against Factual Data for violating my FCRA rights as a consumer.