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

There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Information belongs to someone else

I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/XXXX. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX.. 
2. XXXX/XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX  XXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} Equifax : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00}
Complaint sub-issue: Account information incorrect

I just spoke to a rep with Great Lakes and even a manager XXXX on XXXX XXXX XXXX ( they said they got my payments and in adm forebears til XXXX ) ). I called to get status of My loans to make sure they were under cares act until XXXX to get verbal confirmation they were reporting it correctly As well as to get date so I would be prepared. I was told my loans were under cares act Another reason I called was because I spoke to XXXX XXXX Ombudsman with dept of Ed ( earlier XXXX ) and she said aGreatlakes and nelnet were reporting I had not paid anything XXXX. Plus I has received a letter after I made 4 payments through XXXX from Great Lakes saying that they only received XXXX payment! This was before they sent me a detailed list with payments i made, a late XXXX for interest and I paid an extra payment they were collecting and I didnt have to pay! I have never experienced a company like this!!!! It seems like they are trying to take from people anyway! Mess up credit and loan status they manipulate to their advantage.both Nelnet and Great Lakes ..they change status to deferred or forebearance prior to coronavirus vs repayment in order to run them out!!!! this letter says I agreed to resume payments in XXXX but I didnt I wasnt working during the summer! Seem like bullies they both sent conflicting letters throughout my time! Its bad enough nelnet came in picture XXXX because Great Lakes gave the loans I disputed several times and they seem to mix up loan information/conversation between the three companies and in phone the seem to say wrong thing then correct it!! I realize all of this is being recorded they have!! If it wasnt for the illegal entries in my apt , Forged docs and stolen signed green return card ( deleted out of mailing system found receipt and I saw green certified card signed by XXXX something day before made police report I organized them ) XXXX pension with XXXX may be stolen and a weird XX/XX/XXXX Ascension ( Great lakes company- I didnt know who they were especially based on weird letter.nothing attached.. I was updated in payments on loans and they send a letter ... I thought it was a bogus debt collectors ) regardless something is so off with all three companies1.Big picture if i didnt see all this ... I wouldnt believe they were trying to steal from government and consumer!!! Great Lakes keeps changing my phone number and both companies said they dont do hyphens very odd but I think they are changing my name because they wont pull names together ... there is a dispute regarding a fake XXXX promissory note in name XXXX and my signature was crooked on bottom!!! Copies of certified disappeared- with hacking this can be updated to paid because I saw documents credit reporting and much conflicting info in various sources?? Looked like a setup ... .technology is more advanced than people know to- easy to steal our money ....
Complaint sub-issue: Information belongs to someone else

I have not opened any account with XXXX XXXX VERSE and there should not been any account for IC system opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft IC SYSTEM NEED TO BE PERMANETLY DELETED.
Complaint sub-issue: Account status incorrect

Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Complaint sub-issue: Reporting company used your report improperly

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

XXXX 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: Report improperly shared by CRC

I have not used XXXX XXXX in any instance. I dont know how XXXX is on hard inquiries, i did not use them in any form
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 719XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account status incorrect

Atty General of Tex XXXX XXXX XXXX continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on XXXX  and Equifax that are not true. My case is now clised for over 6 months and Equifax gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with zero balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.
Complaint sub-issue: Information belongs to someone else

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XX/XX/XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Debt is not mine

i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.
Complaint sub-issue: Problem accessing account

On XX/XX/2020, at around XXXX-hours Eastern, I attempted to sign-up for an XXXX account. A part of this process was linking my PNC Bank account. The effort failed, with XXXX stating that " PNC has made a change that prevents you from being able to link your accounts ''. No call from Fraud Protection. Other than an automated email saying that received the request, no communication at all. This is my account, I provided valid credentials for XXXX to access it. It's not up to PNC to decide if I can, or can not, access my account.
Complaint sub-issue: Threatened to take legal action

XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD. 
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. 
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX the closing of Tax period for tax year XXXX I filed Wisconsin XXXX taxes and Wisconsin homestead but not federal yet as IRS is currently investigating fraudulent returns alleged my by me as I didn't file in XXXX or XXXX. I was on XXXX and did not work this years and I. My state WI was not required to file. Some stole my identity and filed fraudulent returns. My cash app accounts multiple accounts were hacked in XXXX years in XXXX WI XXXX XXXX WI XXXX XXXX at the time I resided. Then later moved to XXXX XXXX in XXXX where I reside today. But my physical location address is confidential under state WI law as I'm in crime victim program. And am protected. The basis of my complaint is that Wisconsin revenue notified me when I requested my tax return transcripts history for XXXX. I realized there was a filed XXXX XXXX XXXX XXXX source from block inc provided to Wisconsin dept of revenue they told me to reach out to IRS and block. I reached out to IRS have been unsuccessful in reaching them. I reached out to cfpb. To then initiate this to u guys to let u know I need this data explained. Date of sale or exchange was XXXX and it was for the amount of XXXX payer : block Inc to payee : XXXX XXXX XXXX- is there a mistake here. It says noncoverd security basis not reported to IRS wi said they forwarded it to IRS since they don't handle this. In the description it says see detailed statement. I requesting that detailed statement. My confidential address also should by law not be on this document it is WI misdemeanor. There's a payers account set up by block for the payee me- XXXX XXXX XXXX. Which I can give but I didn't get any money from block. Knew nothing of this account.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER 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 are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}