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

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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. 
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: Inadequate help over the phone

I 'm XXXX years old. I have a full time steady job and make XXXX. I pay no rent and do n't have many bills, I 've been trying to get a car for a while but my credit score always says XXXX not bad or good but just XXXX I need help I really need to get a car I have money for the down payment and monthly payments I just need some sort of credit to help me
Complaint sub-issue: Account status incorrect

only equifax is reporting two consecutive late payments on my XXXX XXXX XXXX account number XXXX this is inaccurate reporting cause the creditor XXXX XXXX XXXX has already removed these late payment back in XXXX, but equifax does not change this inaccuracies, i have disputed and tried to make sense with them but they are not cooperating, although XXXX XXXX XXXX has already changed their side of inaccuracies. 
please help me to correct this inaccuracy form equifax credit reporting agency thank you, i will be attaching the letter from XXXX, which represents the approval.
Complaint sub-issue: Reporting company used your report improperly

In accordance to Fair Credit Report Act, XXXX  account # XXXX XXXX ( DP OF EDUCATION ) has violated my rights. 15 U.S.C 168 Section 602 A states I have a right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumer reporting agencies can not function my accounts without my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is failing to review and/or research any of my dispute letters. I have attached three ( 3 ) recent letters sent to Equifax and it appears as though these letters have never been investigated. I have not received any communication from Equifax regarding the status of my dispute letters. It is very disappointing that Equifax is not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from Equifax still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

I respectfully request that the ( 3 ) letters I have attached be reviewed by Equifax.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I paid {$8.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 

On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. 

According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account. 

On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. I am now submitting a complaint to the Consumer Finance Protection Bureau to obtain their assistance on this urgent matter.
Complaint sub-issue: Didn't receive enough information to verify debt

Per last report to Equifax on XX/XX/XXXX XXXX XXXX opened XXXX XXXX. 
Per Equifax report last payment made on XX/XX/XXXX. 
Per Equifax report shows balance of {$2500.00}. 

I have continuously been disputing XXXX XXXX opened XXXX XXXX however, have not received original contract with my signature. I need to obtain verification from XXXX XXXX verifying the debt belongs to be with proof of contact. 

*On XX/XX/XXXX XXXX XXXX telephone service was open in my name that was approved by me and I had no issues obtaining services. 

Thank you for your prompt response. 

XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a certified letter on XX/XX/XXXX it was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX for the Seller- XXXX XXXX   MerchantXXXX XXXX Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
Complaint sub-issue: Problem with fees

XX/XX/XXXX - Spoke to agent from Discover about a recurrent charge of approx. {$80.00} for a discover payment protection plan that I had never signed up for. 
Per the agent I had this benefit since I became a member ( XX/XX/XXXX ). 
When I asked to please provide proof or documentation that shows that I had in fact opted in this service, the agent said that is not available and that as a courtesy they could only refund XXXX monthly billing cycles. 
I have been charged a recurrent fee since XXXX for something I have never opted in. The company doesnt have proof of me agreeing to this service, and I have been paying for something that shows as a fee on the statement. Its not until one digs deeper that finds that the fee is a recurrent charge for something XXXX never signed up for. 

I need someone to help me. 

I would like Discover to refund me in full for all charges made to the me from the Discover Payment Protection Plan since XX/XX/XXXX. 

I have read consumer news report about fraudulent practices from Discover regarding this topic, and I find myself in the same situation. I have been charged for something I was not aware I was signed into.
Complaint sub-issue: Information belongs to someone else

This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, 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. Equifax XXXX XXXX continue to break statute, U.S. code 15 U.S. Code 1681e - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX XXXX XXXX direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.
Complaint sub-issue: Problem with personal statement of dispute

Both my wife and I are receiving nearly daily dispute letter from Equifax, and we notice that both of our credit reports are showing that we're disputing something in the report. When neither of us for a while now has filed a dispute either by letter or using the on-line portal dispute. And we're wondering if the complaints we file here are being converted to disputes that has us receiving responses that has nothing to do with the actual complaints I've filed here. The filed complaints seem to take forever to answer while there seem to be ongoing responses to disputes neither of us has filed. So since it there has been months since either of us could have filed a dispute, please stop sending us responses to disputes we've never requested. 

Attached are two pages that came today XXXX XX/XX/XXXX ) It has a XXXX XXXX : XX/XX/XXXX date with a : Confirmation # XXXX and it reads more like how to understand the dispute system, but totally lacks anything relevant or worthwhile concerning any situation we've been having a problem with, or anything we've put in a complaint here on CFPB. Not sure why in the total two pages that were in the envelope, there is nothing of substance or relevancy to anything of concern for either of us. Surely there was not a Dispute filed by me in either letter form or using the online portal, yet there are normally or almost daily dispute letters from Equifax in our mail box.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem getting your report or credit score

I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX ''
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem with rewards from credit card

Citi card gave each year reward on XXXX. 2021, did not receive any reward. I caaled and I send them latter and I answer them about why i keep their money. 
Citi card owe me more then {$1000.00}. when I ask where is my reward, they ignoring me. for 3 months. but they keep asking me your payment is du. 
I XXXX XXXX USED THE CARD. BY MY NAME IS ON THE VISA CARD. 
XXXX XXXX ask for his reward.
Complaint sub-issue: Problem with fees

Open the account and after receiving first statement, I called company to close account on XX/XX/XXXX. I was told I need to pay the balance on the account before I could close the account. I paid the balance $ XXXX and closed account because I decided I was not going to be flying XXXX. I never even activated my cards. The amount charged on the card was charges through XXXX. I am now discovering Citi is charging me {$25.00} late fee on XX/XX/XXXX, the day after I closed the account and was told the balance on the account. Citi has been charging me late fees and interest since XX/XX/XXXX and now the balance is $ XXXX. I do n't want this to affect my excellent credit rating so I am going to pay the balance but this is wrong. Citi did everything to try to have me not close the account and they are continuing to do everything so I do n't close the account even if it 's dishonest. I advise anyone against having a Citi card.
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 {$3300.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Last year I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of Maryland my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the Equifax experian about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still
Complaint sub-issue: Didn't receive notice of right to dispute

After requesting a copy of my credit report I found that Amerifinancial Solutions had placed a collection account on my credit report on XX/XX/XXXX. Previous to this I had not been contacted so I was never given the right to dispute the item. The amount is for {$350.00} for service that was rendered sometime in XXXX that had been previously disputed. I requested a copy of my credit report after I received an alert that my credit score had dropped.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Complaint sub-issue: Account information incorrect

XXXX is incorrectly reporting an increase in the balance owed to Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.
Complaint sub-issue: Information belongs to someone else

To Whomever This May Concern : Please see the attached letters for Equifax and XXXX. Equifax added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. Equifax just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

XXXX, please remove The bankruptcy and XXXX XXXX XXXX XXXX. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for Equifax to update my personal statement. The phone number XXXX was correct on there and then Equifax changed it. I never asked for it to be changed. Please put it back as it was.
Complaint sub-issue: Debt is not yours

Accounts : XXXXXXXX XXXX XXXX  ( Original XXXX XXXX ) : Account number : XXXX date XX/XX/2021 Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

15 USC 1692a ( 4 ) - [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment.

Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove these inquiry as seen on my credit report.

see attached pdf
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : US SM BUS ADMIN ODAXXXX XXXX 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 was a victim of identity theft. I contacted XXXX XXXXXXXX and they agreed to remove the debt. However, it is still being reported and sold to The Bureaus Collection agency.