Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I DID NOT AUTHORIZED THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was result of identity theft

I have sent a ID Theft letter and police report several times to this credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The credit card was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the credit card application.
Complaint sub-issue: Didn't receive services that were advertised

Equifax Security Breach has impacted me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to request that the errors on my credit report be corrected. Despite my previous request, these errors have not yet been removed and have had a negative impact on my credit. As I previously mentioned, I was a victim of identity theft and, according to the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ), you are required to remove any accounts that were opened without my knowledge, consent, or authorization. In addition, according to Section 1681c-2 ( a ) of the FCRA, you must block any information in my file that I have identified as resulting from identity theft. I have provided documentation to support this claim.

Your reporting of incorrect information has significantly affected my ability to obtain credit. It has also been brought to my attention that, under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ), this could be considered an adverse action. Therefore, I request that the following accounts be updated to accurately reflect the correct amount, date, status, open and closed date, last date of activity, and time. If you are unable to correct these errors, please delete the accounts from my credit report immediately. I have included an exhibit of evidence highlighting the inaccuracies in my reports. I ask that you thoroughly investigate the accuracy of all information. 
Name NAME : XXXX XXXX XXXX XXXX Accounts XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account status incorrect

XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I have been dealing with Flagship Credit Acceptance since XXXX of XXXX trying to get them to lower my payment or let me make arrangements due to XXXX and being out sick from XX/XX/XXXX through XX/XX/XXXX. They not only didn't respond to any of my requests but they closed my account in XXXX of XXXX, wrote it off and have been sending threatening letters and tow truck driver by my XXXX year old mothers house in Delaware. Threatening to force foreclosure on my mothers house. Sending people by my place of employment sitting out front taking pictures of my XXXX XXXX. They now want XXXX for the loan balance and not the back pay of XXXX. I contacted a bankruptcy lawyer yesterday XX/XX/XXXX because the XXXX is not even worth XXXX it has over XXXX miles and is falling apart, but because they closed my account and now report XXXX on my credit I can not even get a auto loan to get anything new.
Complaint sub-issue: Threatened to sue you for very old debt

I received a voicemail from XXXX XXXX with XXXX XXXX XXXX ( XXXX ) today regarding a 2002 credit debt. I was informed by XXXX XXXX that I was in danger of being sued in civil court if I did not pay the {$6000.00} debt or in the alternative, pay {$2000.00} as a settlement but in monthly installments of {$290.00}. The woman had the last four of my ssn, my birthdate, my current address, and had also called my mother and father.

I was emailed legal documents to sign via Docusign and this made me suspicious. I shouldve followed my instincts sooner and could kick myself for paying these creeps {$250.00}.

After researching the firm, I discovered that their address leads to a XXXX store in California and this was another red flag. I read other peoples similar experiences and they mirrored mine. I emailed them back to never charge my card again, that I would not be signing any documents, and that I contacted my attorney. Be very cautious with people like this. They will use your personal information and legal threats to get your money.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report UPGRADE INC has violated my rights In accordance with the fair credit report 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 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 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I took a payday loan out and was paying back on time on a regular basis. About 2 or 3 months ago I switched banks, I called them and asked to have the debt deductions taken out of new bank. They said it was to late for the next payment, but could after that. I tried to explain to them that I will get a charge because that account was closed. Was getting nowhere with the person I was talking to, so I asked to talk to a supervisor-he kept stating that the supervisor would tell me the same thing. Over and over this went over probably ten times, he didnt seem like he would transfer me, so I hung up. After that expierence dicided not to even try to deal with them anymore. I'm getting calls and emails from them.
Complaint sub-issue: Information belongs to someone else

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX - Opened XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX XXXX $ XXXX| XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ XXXX|
Complaint sub-issue: Deposits and withdrawals

I am a XXXX XXXX. I work for a XXXX XXXX XXXX  with no retirement plan. 

In XXXX XXXX  opened an online IRA account at TIAA-CREF. After a few trial debits, {$1000.00} was ACH debited from my checking account XXXX at XXXX XXXX to fund my retirement IRA. The debit was performed XXXX electronically. 

They mailed my deposit to me and denied opening my account in XX/XX/2022 for unknown reasons. 

I mailed the undeposited check of my funds BACK TO THEM VIA FIRST CLASS USPS along with proof of my address and identity. 

As of today, XX/XX/2022, my online account at TIAA CREF shows a XXXX dollar balance. It seems maybe TIAA CREF has lost their own check, and in the process, the {$1000.00} they took from me to set up my IRA. Please investigate and correct ASAP.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are two inquiries showing on my XXXX report On XX/XX/01 from Elan financial one of those inquiries need to deleted only applied for one account did not apply for two accounts showing my credit was pulled twice from their company.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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  XXXXBalance {$8.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$4000.00} XXXXBalance {$6900.00} XXXX XXXXBalance {$480.00} XXXX XXXXXXXXBalance {$0.00}
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call Equifax on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, XXXX or Equifax.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and is affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the Equifax reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.
Complaint sub-issue: Investigation took more than 30 days

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX! 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my Equifax credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false. 

On XX/XX/18 I contacted Equifax and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. Equifax instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a XXXX XXXX for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
Complaint sub-issue: Debt is not mine

AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it.
Complaint sub-issue: Talked to a third party about my debt

Over the past several months beginning in XXXX Gateway One Lending and Finance has been making repeated harassing phone calls to me. I had spoken to a representative informing him I was in the process of moving because of my husband 's car accident. I informed the representative I was actively looking for employment, however my next payment would be late. Once I became employed in XX/XX/XXXX, I again contacted gateway one, this time informing them I had become employed, however I would not not be able to make a payment until XX/XX/XXXX as the employer held the first to weeks that would be made available XXXX I left the job. I was instructed to make the payment via XXXX once I got paid as the payment was already late, to which I agreed. As agreed upon I made a payment to Gateway one on XXXX/XXXX/XXXX. However, gate way one although telling me to make the payment via XXXX proceeded to try and withdraw the monies from my bank account without my consent. I have never had my car payments automatically withdrawn from my account, but when paid online ( which occurred seldomly ) I would elect one time payment. Although the site insists the information is not stored it had been and my account had been illegally accessed by Gateway forcing it to close as I had not monies in that account. Gateway one insisted I had given a representative permission to withdraw the monies from my account and the conversation had been recorded. When I asked to hear the recording or receive a copy I was told I needed a court order. For several months I have been receiving aggressive and harassing phone calls from Gateway, multiple times a day. I was even receiving calls at work although the payments were being made. I requested several times that Gateway refrain from contacting me and my employer, however the calls continue. My position was later eliminated and I spoke with XXXX XXXX a Manager at Gateway One informing him I was actively seeking employment. He informed me I needed to make a payment, which I told him I would be trying to borrow the monies to make the payment on XXXX/XXXX/XXXX ( I was able to borrow the monies and make the payment ). I reminded him I had requested the telephone calls stop as I was engaging in job interviews and although my phone was on vibrate, representatives continued to call during the interview. Gate way one representatives have also come to home, and began calling my sister ( XXXX/XXXX/XXXX ) insisting that I had given them the ok to reach out to her and discuss sensitive information. I have never given representatives my sisters number and want to know how the number was obtained. I would like some intervention with this company as their behaviors and tactics have escalated far beyond simple debt collection, but intentional, manipulative, embarrassing, and aggressive harassment.
Complaint sub-issue: Account status incorrect

Equifax is reporting the following items inaccurately ( see enclosed ).  This violates the FCRA.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to Equifax and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX )  XXXX XXXX XXXX ( XXXX XXXX ) INQUIRIES ARE THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Public record information inaccurate

Equifax is reporting a discharged bankruptcy on my credit report.I asked for method of verification. Never received it. I asked the court do they verify with third party they said no. Therefore if court said they do not share this information how could Equifax legally report bankruptcy.
Complaint sub-issue: Account status incorrect

This complaint is against XXXX, XXXX XXXX and EQUIFAX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
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 over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give 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 ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.