Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, These accounts on y credit report aren't accurate. I don't recognize any.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On Sunday, XX/XX/XXXX I noticed a charge on my Discover card account that I did not recognize : XX/XX/XXXX XXXX  for {$170.00} I immediately started a dispute, and a temporary credit was issued. 
I received a very poor quality copy of what looked like a shipping label and was told this was proof of a legitimate charge. I wrote a letter on XX/XX/XXXX to both Discover and to XXXX requesting information about the purchase. 
How was the order placed, online or by phone? Did the expiration date and CVV code match? 
I then received an email on XX/XX/XXXX from Discover that stated : We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. If you have documentation you have not yet shared with us, please send it within 15 days of receiving this letter and we'll continue working on your dispute. 
So I wrote another letter on XX/XX/XXXX, stating : I find it interesting that Discover is asking me for information that I can not possibly have, since I did not make the charge. I have never purchased anything from XXXX. This is a fraudulent charge. 
And the charge was put back on my account. So I wrote another letter on XX/XX/XXXX, asking the same questions. I was not given the courtesy of a response. 
So I wrote again on XX/XX/XXXX, and I also did an online chat. I was told that I needed to call Discover to continue the dispute. Discover requires written notification of any fraudulent charge. And I am requesting the same. I have written, and I have no response. Did anyone ask XXXX who placed the order, how was it placed? Can it be traced? I know they have not responded to my request for information. Is someone looking into the unauthorized use of my credit card? 
The entire balance on my account is this unauthorized charge plus interest. And I now have an email stating that my account is past due. Since I have not charged anything, I have a zero balance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report like I do on a daily basis and realize that credit plus pulled my credit and now I got 2 hard inquiries without my consent I asked credit plus to remove these inquiries which they didn't. Because the inquiries that are on my report is fraudulent.
Complaint sub-issue: Threatened to take legal action

I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.
Complaint sub-issue: Information belongs to someone else

I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: You told them to stop contacting you, but they keep trying

I have requested the lending entity that I will repay immediately XXXX USD and work out the rest ASAP of the balance of XXXXUSD at the moment. But they are not allowing me to do so and purposely allowing the outstanding to accumulate and continuously charge the interest. 
My repeated exchange of mails did not yield any result.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Complaint sub-issue: Trouble with how payments are being handled

This is the second time this has happened since  XXXX . My unpaid interest was capitalized because FedLoan Servicing, the company managing my loans, did n't " receive my documents in time '' for Income-Based repayment.     In  XXXX , I began the recertification process on  XXXX   XXXX , sending documents to FedLoan Servicing. I was never told what date I needed to recertify by. So I started the process when I got an email telling me I should. I was told they did n't get them in time because they are so busy, so my unpaid interest was capitalized on  XXXX   XXXX . My balance jumped from  XXXX  to  XXXX . My next months payment was {$1000.00}. Then my plan would continue on Income-Based repayment the following month.     This year, I sent in documentation on  XXXX   XXXX  after receiving an email to recertify. I was emailed on  XXXX   XXXX , told my recertification was " on hold '' so I called the company. I was told that due to an error when I filled out the digital paperwork ( following the instructions on their website ) my recertification was on hold. And that it would n't make it through on time due to FedLoan Servicing being behind schedule. My interest would capitalize and my payment would be {$1100.00}. My balance is now {$110000.00}. And it is through no fault of my own.   Again.
This is unacceptable. I work hard to pay what I can afford and am being pena  lized unfairly by a company that has no interest in resolving my debt, but is more than happy to increase it. Even when it is due to their own negligence.     Because the scenario that is playing out is this. I pay what I can afford because my job does n't pay me much as I serve the public. But the unpaid interest that accrues is substantial because my job is n't as lucrative as it is beneficial to the community. FedLoan Servicing is incentivized to fail at properly scheduling things. It is incentivized to put my paperwork on hold. As any delay in the processing of my rectification means an increase in the principle of my loan. The higher the principle, the more interest they can collect. They know that I 'm struggling to keep up with my principle and interest payment, so they know I will accrue more unpaid interest. And, FedLoan Servicing is again incentivized to slow down the processing of my paperwork to, again, capitalize my unpaid interest. That means they can charge me more.     The proof is in my principle inflating from {$99000.00} in  XXXX  to {$110000.00} in  XXXX  despite regular on-time payments, multiple extra payments, and following instructions laid out by FedLoan Servicing.
Complaint sub-issue: Account status incorrect

two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXX  and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXX, XXXX ) will not block these fraudulent accounts.
Complaint sub-issue: Frequent or repeated calls

We got behind on our car note due to a illness of the money maker in the family. Our car notes are financed thru ally financial. They call 4-5 times a day while we are work. Have instructed them on multi occasions that I 'm aware that we are 21 days behind, to quit calling and I 'm attempting to catch them ASAP. They continue to call.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this item of XXXX XXXX XXXX was deleted from my equifax credit file back XX/XX/XXXX due to fraudulent activity. 
Now i have discovered that this item has been reinserted on my credit report as of XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611? ( a ) ( 5 ) ( B ) ( ii ), Equifax is required to notify me of the reinsertion in writing within 5 business days. I received no such notification. I am demanding that Equifax delete this item immediately. This is a very serious violation of the FCRA. 
Your help is appreciated
Complaint sub-issue: Billing problem

Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.
Complaint sub-issue: Overdrafts and overdraft fees

During COVID19 the bank took XXXX dollars from me on an overdraft. We are in a time of crisis and this bank has decided to take the little money we have and say its for overdraft fees. I am a father and husband people rely on me. I want that money back.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX, The 3 Credit Reporting Agencies, Equifax, XXXX and XXXX have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS Tracking # : XXXX XXXX  Received XX/XX/XXXX USPS Tracking # : XXXX Equifax Received XX/XX/XXXX USPS Tracking # : XXXX XXXX Received XX/XX/XXXX U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 States a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXXAccount Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Complaint sub-issue: Was not notified of investigation status or results

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report on XX/XX/2019, I noticed this inaccuracy and immediately sent a letter to Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute. They have not provided any documents that bear my signature nor have they provided the original delinquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX XXXX account, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? 

Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON MY CREDIT FILE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed through equifax and now there are an additional XXXX+ inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with Equifax today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Complaint sub-issue: Account information incorrect

This credit bureau is reporting inaccurate account and payment information as it pertains to a XXXX XXXX XXXXXXXX account that is listed on my credit report. The account number for that XXXX XXXXXXXX XXXX account is XXXX. I have disputed the accuracy of this account numerous times and pointed out to the credit bureau why it is reporting inaccurately and they have done nothing to fix it but continue to report the same inaccurate information. 
With that in mind I am therefore exercising my rights under the Fair Credit Reporting Act and asking this credit bureau to provide me with there method of verification showing that this account is reporting on my credit report accurately. I am requesting documentary evidence provided by the creditor to you showing that this account is reporting accurately on my credit report as it is not reporting accurately. The law gives you 15 days in which to provide me with that method of verification. The fair credit reporting act says that if you are not able to provide me with that method of verification within 15 days of you getting this request then this item should be deleted from my account.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$330.00} XXXX   XXXX {$940.00} XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Debt was result of identity theft

I had an account with XXXX and someone hacked into my account information and ordered 10-12 phones from an address in XXXX. Whoever hacked my account had my address and were able to pick up the phones from my address when they were delivered and outside. I never received any phones. I have tried to correct the issue with XXXX but they are unwilling to send me to their fraud department and have sent a collection to the company I'm filing the complaint against for XXXX. Please help me resolve this issues. I am not willing to pay for any service or equipment i never received. It's obvious i did not use these phones and have never had any phones other then the one I used. Please assist me any way you can. thanks.