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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

My loans are currently serviced by FedLoan as part of my enrollment in the Public Service Loan Forgiveness Program. I have asked for an accurate count of qualifying payments and it has been about a year without a response ( in their records I asked for count in XX/XX/XXXX, but I asked for manual recount in fall XX/XX/XXXX AND XX/XX/XXXX ). The current count listed in my account on the Fedloan website is incorrect. The National Student Loan Data System does seem to have an accurate count ( per my records ). I would like an accurate count per Fedloan so that I know how many qualifying payments are remaining before my loans are forgiven.
Complaint sub-issue: Account information incorrect

I have submitted several disputes to the XXXX  credit reporting agencies XXXX, XXXX, and Equifax over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
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 U.S.C 1681. 

Account name : XXXX XXXX  XXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXr # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX - Direct Loans # XXXX Account name : XXXX # XXXX Account name : 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 an 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: Debt was result of identity theft

Bay Area Credit Service claims I owe them a debt from XXXX XXXX XXXX. After contacting the debt agency, they refused to transfer me to a supervisor. I informed them this debt was not valid. They did not believe me. I contacted my insurance company who contacted XXXX XXXX XXXX who informed me they never sent the amount due to any credit agency, nor do they have a date of service ( XXXX ) that the credit agency claims is valid, and have stated to my insurance company that my account has been paid completely. After speaking with insurance, I called XXXX and made sure that the date of service was invalid and that the amount ( s ) I owed them had been paid which is what they confirmed to me. After this, I called back the credit agency and asked to speak to a supervisor again. XXXX XXXX refused to send me to a supervisor more than a dozen times, even when I had my spouse get involved to try to solve the invalid debt. XXXX then hung up on us both after 22 minutes and when we called back they did not answer even though it was business hours. I would like to have this organization investigated. How did they even get my medical information!? How did they get an invalid debt with an invalid date of service? They refused to let me speak to a supervisor and claimed it was a valid date even though both my insurance company and XXXX have told me that everything is good on my end and this debt is NOT valid.
Complaint sub-issue: Account status

This account is closed on XXXX 2008 but on my credit report still show a late payment. the account is closed more than 7 years. please removed this information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This company is committing IDENTITY THEFT, I have NEVER gave permission nor written consent to report my PERSONAL information. The inaccuracy and improper use of my consumer report has caused an extreme burden on providing for family. According to the US District Bankruptcy court they do NOT provide personal information to reporting agencies, therefore there can not be a furnisher to verify the information. This information is only accessible on the XXXX system and they have a privacy discloser on their website that they DO NOT send information to XXXX parties. Retrieving a consumers private, personal information for profit is fraud. How can any of these companies state there is accuracy and verification, if the courts admit to NOT providing personal information?
Complaint sub-issue: Received bad information about your loan

My previous complaints about original student loan Servicer, AES/PHEAA must have been too complicated for them to understand, so I will keep it clear and simple task and request I want them to do. 

I want AES/PHEAA to provide me proof, and not their own letters, or documents, as theirs are absurd and untrue XXXX, that these loans are mine. 

Original loan documents, from XXXX XXXX XXXX XXXX, My College, Federal Government, as they are require to maintain such documents on my ORIGINAL LOAN IN XXXX, not the XXXX consolidation loan, the ORIGINAL loan in which they are/were the original servicer. 

As they proved past 8 months, and searched for 3, they have no such documents as I know they do n't exist, so I want them to write off their {$25000.00} profit they made off these loans do their job and cancel these loans, and return my money. 

I have contacted XXXX XXXX XXXX, Secretary of Education, and provided her copies of our communication, as attached, proving AES/PHEAA statements are not only untrue, but outrageously absurd at the same time. 

They say they did n't have loans after XXXX, yet they sold them to 2 different Loan companies in XXXX, and re aged a student loan from XXXX, that I paid off over 25 years ago, and included it as well when they sold these loans. 

If I do not get a favorable response from XXXX XXXX XXXX she is aware I will seek legal action against her, and AES/PHEAA.
Complaint sub-issue: Problem with fees

I have been a customer of Macy 's for several years. I noticed Around 2 yrs ago that they were charging me for a protection service that I did not request. I immediately called and asked for it to be removed. I do not check my statements as my bills are debited monthly. They never removed the service, that I did not ask for. I asked for proof that I agreed to this service, they said they do not have it and will discontinue my service. I asked for a full refund of the unauthorized fraudulent charges on my account. they credited me 1 month. I never agreed or requested this service. I didn't even know it was on my account. When I did find out, and I asked them to remove it, They continued to charge me for an additional two years. Tthis is a fraudulent, activity and I need help getting reimbursed for the fraudulent fees paid.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Placed an order with this company called XXXX for a XXXX XXXX bundle. I never received any details in reference to the order so I submitted a dispute with my bank. As soon as the dispute was entered, I receive an email from a XXXX account with a tracking number. After looking over my bank statement the transaction was coming up from a XXXX account instead of the company that I originally placed the order with. When the item arrived it shows up significantly different from its description. A childs plastic whistle inside of an envelope instead of a XXXX XXXX. I immediately sent the item back to the address that was listed on the envelope. Im now going jumping through hoops to proof my case. Im being charged {$110.00} for a plastic whistle. When I check the site that I used to place the order the website has been removed since the order was placed. I have screenshots of what I actually ordered and what was sent to my address.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months.

This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. XXXX. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. Equifax has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2017 I sent a certified letter to Equifax asking them to investigate and validate the following two accounts on my credit report. 
XXXX XXXX XXXX XXXX Equifax sent letters back saying they were verified. I sent another certified letter on XXXX XXXX, 2017 for XXXX XXXX and on XXXX XXXX, 2017, for XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. On XXXX XXXX, 2017 I received a letter saying the same thing for XXXX XXXX verified. On XXXX XXXX, 2017 I received another letter saying verified for XXXX XXXX. 

This is a violation of the XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Personal information incorrect

I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX  complaint.
Complaint sub-issue: Information is not mine

I received a new report on my credit that an open account has been reported to a collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Complaint sub-issue: Reporting company used your report improperly

Since XX/XX/2021 I have been contacting XXXX, Equifax and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, Equifax and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Complaint sub-issue: Reporting company used your report improperly

Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX 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 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