Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I disputed a debt with Americollect account number XXXX for {$710.00} on XX/XX/22 and again on XX/XX/22 advising that I have no knowledge of this bill and upon contacting the original creditor XXXX XXXX XXXX, they could not provide an itemized billing, medical records, or contract signed by me nor verify there is a debt owed in this amount for me or any member of my immediate family.The debt is also linked to an unknown and invalid address not linked to me. I am requesting this invalid debt that does not belong to me be deleted immediately from XXXX and all other credit reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Complaint sub-issue: Attempted to collect wrong amount

A dispute has been ongoing with XXXX since XXXX The company has attempted to collect a false debt by using no less than a dozen collection agencies. I've disputed and won all my disputes but XXXX has now submitted false information to a collection agency and my records can't dispute the collection because the " proof of debt '' is all false information. The collection agency doesn't care and has tarnished my credit report using this fraudulent information.
Complaint sub-issue: Public record information inaccurate

In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the one I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.
Complaint sub-issue: Account information incorrect

CitiFinancial posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.
Complaint sub-issue: Problem with customer service

My CitiBank MasterCard expires on XX/XX/XXXX. On XX/XX/XXXX, I was informed they will not renew it due to as stated in their email 'bankruptcy or a charge-off on another credit card account issued by Citi '. I had many phone and online chat conversations with customer service. The first time I had a conversation, they advised me to send a cover letter and copies of my credit scores to their Dispute Center. I faxed those documents on Monday XX/XX/XXXX. I received confirmation that the fax was received. And the last customer service rep I spoke to on the phone said they have those documents but still says the reason for their decision was the XXXX Credit Report. I have great credit scores and a great XXXX and XXXX Credit Report. Each shows only one 30 day late payment in XX/XX/XXXX. I have an excellent payment history with the CitiBank Mastercard. I have repeatedly requested CitiBank to send me specific detail on their reason for this decision. They do not grant that request and tell me it was based on my XXXX Credit Report. I pulled that credit report on XX/XX/XXXX. Again, only maybe-negative item was one 30 day late payment in XX/XX/XXXX. No other late payments in the last 3 years. No charge offs are recorded in on the XXXX credit report for the last 3 years. I just spoke with the Global Consumer Credit Division of XXXX and they confirmed I have excellent credit history, only one late payment in XX/XX/XXXX, no charge-offs and don't understand why CitiBank has taken this action. This is a serious matter. This action is noted on my credit report, stays on my credit report for many years and has a very damaging affect on my ability to get credit if needed. I need help and CitiBank is not providing the help or cooperation.
Complaint sub-issue: Information belongs to someone else

The Credit Bureau equifax stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Complaint sub-issue: Old information reappears or never goes away

Upon receiving my daily XXXX and Equifax credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of XXXX  and Equifax. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the  information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Complaint sub-issue: Investigation took more than 30 days

thee companies are reporting inaccurate information and accounts that do not belong to me I have also noticed a number of inquires that I haven't made
Complaint sub-issue: Reporting company used your report improperly

In accordance to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Complaint sub-issue: Information belongs to someone else

A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I have a direct Express card which had my Social Security benefits on it and I lost my wallet with the card in it. Fraudulent purchases were made after I reported the loss to the police and I began the fraud investigation process with them inXX/XX/XXXX. I filled out and returned the paperwork via fax on XX/XX/XXXX, and again on XX/XX/XXXX. No one ever responded to me and I had to sit on hold for hours literally to talk to a real person. Once I got a real person but he put me on hold and the call was disconnected. I have followed up via fax in XXXX and XXXX of this year and again received no response. I reported Direct Express to the XXXX  and they told me that because Direct Express is affiliated with a government agency, they could not help me. I have made it this far without my money but I want justice. They are taking people 's money and there is no easy way to contact them.
Complaint sub-issue: Trouble with how payments are being handled

My student loan servicer, Great Lakes, does not allow me the choice to pay off each student loan that was issued to me, which unfairly denies me the ability to pay off student loans that are a higher interest rate. I want to payoff several of my low balance student loans, and also strategically pay down my mid-larger balance student loan based on interest rate, but Great Lakes online does not allow me to choose which student loan to apply my payment towards. Great Lakes does not allow me to select each student loan to pay, or allow me to pay more on select student loan I choose based on interest rate. Even after my obligated monthly payments are made and satisfied for all student loans in a month, Great Lakes still does not allow me to calculate and pay off any of my student loans individually that are a low balance or higher interest rate. Great Lakes has a scheme in place that is perpetually keeping me in debt instead of allowing me the option to pay off each of my student loan debts in manageable and smart ways online. This Great Lakes scheme is exploiting me so they can get maximum interest and is making it extremely difficult to pay off each of my balances that can be manageable to payoff.
Complaint sub-issue: Public record information inaccurate

XXXX is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.
Complaint sub-issue: Information belongs to someone else

I checked my credit score on Equifax and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank XXXX XXXX Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to Equifax, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank XXXX XXXX Credit Card. I filed a dispute on XX/XX/XXXX, but Equifax claims the account is in my name.
Complaint sub-issue: Information belongs to someone else

I am disputing the following account knowing as XXXX  credit/XXXX  To be fraud and totally inaccurate and therefore should not be on my report This account was open on XXXXXXXX XXXX in the amount of XXXX
Complaint sub-issue: Information belongs to someone else

I have a medical collection bill on my Equifax credit report from some company called XXXX. I have never heard of this company. I don't know what this bill is and I am sure it is not mine. The Company has no information on it's address or phone number. This needs to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

This is not mine : XXXX Inquiry added on XX/XX/2020. 

Also I've never had any account with XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, Equifax XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I leased a new XXXX XXXX XXXX XXXX through U.S. Bank. The lease started in XX/XX/XXXX and the monthly payment was {$480.00}. I was current through my entire lease of 36 months and the last payment ( # 36 )  was made on XX/XX/XXXX. My bank account was on auto pay so I was current throughout my entire lease and did not miss a single payment. My bank account was charged on XX/XX/XXXX for another monthly payment of {$480.00}. I called the US Bank postmaturity leasing department on XX/XX/XXXX, spoke to XXXX, and explained to her I had an extra payment withdrawn from my bank account and needed a refund in the form of check or a refund to my bank account. she explained that if I did not turn off or cancel my auto pay that sometimes US Bank incorrectly will withdraw another payment. I was told a check would be sent out to my house. On XX/XX/XXXX I received a letter from US Bank stating that all known charges associated to my lease have been satisfied. I called the end of term department and asked for a account statement to be sent to my home with detailed information of all my payments. I received a detailed account history on XX/XX/XXXX from US Bank but it DID NOT include the closing transactions which would show my overpayment of {$480.00}. I called on XX/XX/XXXX when nothing had come. I spoke to XXXX and was told that my check was cancelled In XXXX before it was sent out to my home but was not given a reason for why it was canceled. At this time I asked to speak to his manager or supervisor about my refund check cancellation and he said his supervisor, XXXX, would be in contact with me shortly. I did not receive a call so I called back on XX/XX/XXXX and asked for XXXX to call me. I was told she was in meetings and was unavailable and to wait for her call. She called and left me a voicemail while I was working two weeks later on XX/XX/XXXX. Her voicemail said to call her department back if I still needed assistance. So, I called back on XX/XX/XXXX and spoke to XXXX who apologized and said that research was being done on my account and should wait a few weeks until that was completed. I called back on XX/XX/XXXX, spoke to XXXX and was told that my account was still being researched. I asked her to send me a detailed account statement INCLUDING the closing transactions at this time. I received the same statement that I originally was sent WITHOUT the closing transactions. I called again on XX/XX/XXXX and spoke to XXXX who thanked me for being patient and stated that the research should be finalized within the next day or two and stated that she would bring this to her supervisors attention immediately. She said to call back in the next day or two if I had not heard back US Bank. I am concerned that US Bank is using these delay tactics on many of its customers to avoid distributing refunds owed. I am furious with this whole situation and how poorly US Bank has handled my refund and the customer service of US Bank end of term department.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Account information incorrect

1 Collection account and hard inquires are not metro 2 compliant. I would like these items removed before I take swift legal action.
Complaint sub-issue: Public record information inaccurate

I received a letter from Equifax informing me that they received information from XXXX XXXX XXXX XXXX that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that XXXX XXXX XXXX XXXX and Equifax remove the information from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

SageStream , LLC purports to be a legitimate consumer reporting agency, and they are in fact listed on the CFPB web site as such. However, the instructions to contact this company ( for any matter, not just for a copy of a credit report ) are misrepresented at best. When calling the company 's main number, one is taken through a litany of options which all result in recorded instructions to send your confidential and sensitive personal information to them using unverifiable addresses and fax numbers. The only other option is to " hold '' to speak to a live person, but that option only leads to an automatic " we're sorry but everyone is busy '' message with instructions to leave your name and number at the beep for a " call back within 24 hours ''. In this day and age of Americans receiving numerous daily calls from scammers from everywhere on the planet, how is anyone to know if the " call back '' you get from SageStream , LLC isn't someone posing as an identity thief? If this company were legitimate, they wouldn't structure their consumer interface activities in such a clandestine manner. I have tried in earnest to make contact with someone at SageStream ( without leaving my sensitive information " at the beep '' ), and I have no way of knowing that I'm not voluntarily giving away everything that I've worked for my whole life.