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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on DATE. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
17. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
18. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
19. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
20. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
21. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

Best Buy Credit services have been actively doing inquiries on my credit report on the dates listed below. The card is not active, they closed it in XX/XX/XXXX. Please stop making inquires to my credit report.

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

My student loan servicer is XXXX XXXX. My recent payments over and above my monthly amount due have been applied to all my loans despite my repeated requests that they be applied to the loans with the highest interest rate. I have attempted to reach out several times but do not get a reply. They also do not apply my payment to the loans with the highest interest rates. I want all my payments above and beyond my required monthly payment applied to me highest interest balances.
Complaint sub-issue: Information belongs to someone else

Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. 

Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.
Complaint sub-issue: Problem getting my free annual report

Unable to get my credit report the message was like this " Our records indicate that you received your annual free Equifax , XXXX and XXXX credit report on XXXX/XXXX/2015 ''. 
" A condition exists that prevents Equifax , XXXX and XXXX from being able to accepts your request a this time ''
Complaint sub-issue: Their investigation did not fix an error on your report

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I am the only one that can validate this debt, therefore I do not validate this debt and the following accounts must be deleted from my report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Complaint sub-issue: Was not notified of investigation status or results

My original complaint was XXXX filled in XX/XX/21. The company provided updates in response but as of XX/XX/21 they still did not resolve the issue and said they were still investigating. The same day consumer finance closed the case. No final response, no correction if the info. Nothing is resolved. Why was the complaint closed? Why is it taking them so long?
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX  balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
Complaint sub-issue: Their investigation did not fix an error on your report

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX,
Complaint sub-issue: Personal information incorrect

Ive submitted 2 certified letters early 2022 and again just recently in XXXX. Confirmed with Equifax that they received copies of my social security showing my name as XXXX XXXX and my license showing XXXX XXXX. I even faxed. Ive submitted more than 5 disputes advising that the name XXXX is incorrect and needs to be removed. Equifax had yet to correct the issue
Complaint sub-issue: Was not notified of investigation status or results

I acknowledge that I am the individual making this complaint under my rights per federal law. *Not a credit repair company Equifax is involved in an egregious action action towards me. Violation federal law section 1681 of the FCRA rules. 

An account under the name ( XXXX XXXX XXXX XXXX ) original creditor : ( XXXX XXXX ) has appeared on my credit report for the 6th time this year XXXX. 

This account was added to my credit report in & around XX/XX/2020 without notice of reinserting 5 business prior as required by federal law. A violation of FCRA rules section 1681.
Complaint sub-issue: Account status incorrect

I have been dealing with Equifax and XXXX regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.
Complaint sub-issue: Didn't receive notice of right to dispute

I reached out to the debt collector today XX/XX/XXXX and asked about the debt. This creditor has refused to provide to me with information about the debt and advised me to 'XXXX  XXXX the name of the original creditor to find out who filed the debt under my name. I was told this by the first rep today. I called back and spoke to someone named XXXX who introduced herself as an account XXXX. 

The creditor has also been abrasive with me and tried to bully me into paying the debt without me having any information about it. XXXX also could not advise to me on what to do in this situation now that it has been established that it should have not been reported to collections to begin with. I never received the bill. She tried to pressure me to still pay it by asking for a credit card and other payments. 

I XXXX  the name of the original credit ( doctors office ) since XXXX XXXX refused to provide this information and called them regarding the debt. They advised me when notices were sent in XXXX, once in XXXX and that nothing additional was sent afterwards. The documents they provided to me contained incorrection information. The address provided, I have never lived. 

I advised the debt collection agency, XXXX XXXX XXXX that I should have never been reported to them under a debt to collect. The agent, continued to try to bully me into paying and refused to provide guidance on steps to properly dispute bills being sent to the wrong people with a different address on file, with my name.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I noticed 2 bankruptcies on my Equifax Credit reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX and XXXX. In XXXX of XXXX they stated they verified with third party entity XXXX  that the information is accurate. I thought they had to get all information from a original source. I then contact XXXX XXXX and they provided me with the information they had in my file on XX/XX/XXXX. The file they provided me has no Information about any bankruptcies. I once again notified Equifax about the lack of information and ask for it to be removed .... This time they ignored me and I don't know what to do.
Complaint sub-issue: Information belongs to someone else

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$4500.00} DPT ED/XXXX  XXXX {$4500.00} DPT ED/XXXX  XXXX  {$6000.00} DPT ED/XXXX  XXXX {$2500.00} DPT ED/XXXX XXXX  {$4200.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX  {$12000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$3500.00} XXXX   XXXX  XXXX {$420.00} DPT ED/XXXX  XXXX  {$21000.00}
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I Sent a Request to Validate Medical Debt. I requested three specific things 1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
This Debt Collector failed to answer the three questions listed above. 
Instead they sent a vague letter stating " XXXX has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( XXXX ). 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. XXXX has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Complaint sub-issue: Information belongs to someone else

There are two accounts on my credit report that are not mine I have not accepted know what these are or where it came from. 

XXXX - Acct XXXX XXXX - Acct XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/20 I gave my credit card information over phone to a car salesman at XXXX XXXX as a {$200.00} hold for 24 hours to decide if I wanted to come look at a particular vehicle. 

XX/XX/20 In less than 24 hours I have decided that it was car I did not want to pursue looking at XXXX XXXX is over three hours from my home in which I deemed too far to travel I notified the salesman at the dealership of my intent in which he said my deposit/ hold would be put back to my account This entire transaction took place over the phone nothing was signed or received by me I have no contractual obligation XX/XX/20 I have attached the response from the Citi stating it was resolved XX/XX/20 The charge was back on my account The representative at Citi Credit Cards was not very helpful
Complaint sub-issue: Personal information incorrect

LexisNexis has compiled inaccurate information about me and without my consent. They have inaccurate DOB, inaccurate addresses listed for me ( many of which have never been associated with me )
Complaint sub-issue: Debt was paid

In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Information belongs to someone else

On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood. 
Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018, I had applied for a job to be a driver with XXXX and XXXX and on XX/XX/2018 the Company CHECKR disclosed information from 16 years ago. According to FRCA consumer reporting agencies are only allowed to disclose background check information from up to 7 years prior, Checkr violated this rule. As a result my application was denied by XXXX and is under review by XXXX. Checkr also reported false information saying I was convicted of XXXX XXXX when I was in fact convicted of XXXX XXXX   even after I corrected XXXX XXXX of Checkr and sent them proof they still continued to report this information.