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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$5000.00}, {$5000.00}, {$1500.00}, {$1000.00}, {$4200.00}, {$0.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 6. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

7. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize a hard credit inquiry on my profile. I thought it was a soft pull with no impact to credit profile.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Account name CONN XXXX XXXX Date of request XX/XX/2021 I have an inquiry on my credit report for an activity that was not initiated by me. Conn 's XXXX called me to say that they suspected fraud and to confirm if the application actually came from me. They verified that certain things on the application did not match my info and said they would mark it as fraud and not report an inquiry on my credit report. But when I pulled my credit they did report hard inquiries on my credit reports. According to Conn 's Someone went online and tried to order a laptop from them.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX  Bankruptcy Discharged XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.
Complaint sub-issue: Information belongs to someone else

SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed with the original creditor XXXX XXXX XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Didn't receive notice of right to dispute

COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS.. CEASE AND DESIST COLLECTIONS WE ARE DEALING XXXX XXXX XXXX XXXX DIRECTLY! WE ARE CURRENTLY SUING THEM AND ARE IN LITIGATION AND YOU MUST REMOVE ALL CREDIT REPORTING OR YOU WILL BE SUED TOO!!!
Complaint sub-issue: Problem with personal statement of dispute

I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my Credit File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. The Credit Bureaus became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against the Credit Bureaus but I will be generous enough to give the Credit Bureuas couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to invetigate was already over. I need the following Items removed now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/2021
Complaint sub-issue: Debt is not yours

Asked for a verification of debt, was provided with verification. The debt does not belong to me, as I have never lived in the state of Florida and can provide bills verifying my residency in Georgia for the last decade.
Complaint sub-issue: Report improperly shared by CRC

filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing
Complaint sub-issue: Information is not mine

This account does not belong to me. 

XXXX ACCOUNT # XXXX
Complaint sub-issue: Investigation took more than 30 days

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Complaint sub-issue: Information belongs to someone else

I am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Complaint sub-issue: Debt is not yours

While checking my credit reports on experian I noticed two medical collections that do not belong to me. I sent two debt validation letters for each account to the company and both letters were received on XX/XX/2021 and signed for by an XXXX. But since receiving the update from XXXX that both letters were delivered I haven't received any proof or even a response from the company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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: Credit inquiries on your report that you don't recognize

FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Need information about your loan balance or loan terms

Hello, my name is XXXX XXXX. 
I was using a third party vendor called XXXX XXXX XXXX, to be on loan forgiveness. I called them in XX/XX/XXXX to renew my eligibility. I also emailed. Noone answered and noone called me back noone emailed me. 
In XXXX I received a student loan bill from FedLoan servicing for XXXX dollars. I called XXXX XXXX XXXX again, because I had still been billed every month for my usual {$50.00}. I called and emailed, nothing but an answering machine. 
I then called fedloan servicing. XX/XX/XXXX and XXXX XXXX. I only get a sweepstakes recording, over and over. I attempted to email twice on those days and it responds with a weird error message. I am racking up debt, my credit score is going down and I do not know who to call! Please help me! 

I have an issue with XXXX XXXX XXXX company ( supposedly from XXXX ) And, FedLoan servicing.
Complaint sub-issue: Their investigation did not fix an error on your report

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019 I was contacted by XXXX XXXX XXXX XXXX regarding a debt that I have no acknowledge owing. They told me I was being sued for over {$4000.00}. I never had a debt owing that much in my life! They also informed me that they would be going to my place of employment and serving me with court papers at my job! I informed them that by law I have to be given a written documentation of validation of any debt owed under the fair credit reporting act. I have 30 days to review this information, and have a right to dispute for any inaccuracies. This is the law! They directed me to the new owner of this debt LP services Group. They forced me into settling, but did not keep the agreement. I was put on the spot! Called me up out of the blue and informed me that I am being sued. No documentation on it what so ever! I was informed later that week by the owner of my employer that they called up there threatening the owner to give them my personal contact information. I could of lost my job because of them. I have did some research and they have a lot of different harassment complaints against them. They have fake lawsuit claims, no acknowledge of them even owing these debts, threatening people of a lawsuit that is mis leading, calling up their employer, trying to claim more than what the original debt is owed ( 3 or 4X ). They have violated my rights under the fair credit reporting act, have harassed me, threatened me, and have threatened my employer, and trying to collect 3X of what the original debt is for. They are trying to tact on a ridiculous amount for their outside recovery company ( {$3000.00} ). This is a solid case of harassment and want to file a complaint against them for harassment! Here are the details of what I received. BTW, after looking into this debt, It looks like its a fraudulent account. Im planning to file a police report. They took {$100.00} from me for putting me on the spot! Said there is a judgement against me, but nothing ever was reported to the credit agencies of any judgements! 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Original Account # XXXX File # XXXX Credit reports claim this is for a {$300.00} credit card, charged off at {$520.00}. This company is trying to get {$1400.00} for this account! 

LP Services Group XXXX XXXX XXXX XXXX. 
XXXX, CA. XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

GreenSky LLC. and XXXX XXXX XXXX  of XXXX, IL. 

GreenSky at XXXX  XXXX, XXXX, GA XXXX at the time of my application of the loan clearly states in the flyer and on the phone that this loan is no interest loan for one year. This loan is in conjunction with XXXX XXXX college counseling. 
However, when the first bill came, i was charged {$240.00} interests in and {$440.00} interests in the second bill. They even sent me a letter in attempt to collect the interests. 

It is an intentional misrepresentation of the contract and an attempt to illegally change the terms of the contract. This kind of consumer lending is NOT Acceptable. 

My account number is : XXXX XXXX XXXX XXXX. I will attach the flyer and the statement and the collection letter.
Complaint sub-issue: Denied request to lower payments

Ive called for a few months trying to get help with my car loan. I fell on some hard times and I reached out to PNC for assistance. Every time I called a different representative told me different information. I tried to do a deferment and was denied. I tried a hardship loan and was denied. The hardship would take 50 % off of my current monthly payment for 3 months which would have been doable for me at the time and I was denied. I tried to refinance and was denied. I was trying to avoid repossession because I have multiple doctors appointments and my daughter takes me to all of them. Without a car its almost impossible. In XXXX I applied for the hardship loan and a representative told me that I was approved for the loan and I was relieved. Come to find out the representative told me false information and I was not approved. I had made an arrangement to make payment and I had the money, when she told me I was approved I was so ecstatic and I told her I was still going to make the payment. She told me not to make the payment because I was approved for the hardship. She told me in 7 days I would receive a letter stating the payment dates. I double checked and asked her was she sure because I was denied recently and she reassured me that I was approved and not to worry. Seven days went by and then PNC called me and told me I had to make a payment. I then mentioned to them what the representative told me and they said that is not true. I was so upset because you guys use the same system so how am I approved one minute and not the next. The representative then said that the other representative shouldnt have told me that because it wasnt true. So then an investigation was started and the manager from consumer finance called me and said that there was nothing that they could do and that the representative that told me that will undergo more training and that was it. I still couldnt get help from a bank Ive been with for 3 plus years so after all of that they came and repossessed my car so now Im without a car after multiple attempts of reconciliation and none was offered to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I filled bankruptcy XXXX  XXXX in XXXX of XXXX  My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX account 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 consent.
Complaint sub-issue: Account status incorrect

My complaint is against Equifax credit bureau. I submitted a dispute regarding a fraudulent account from XXXX XXXX XXXX account # XXXX, date open : XXXX with {$0.00} balance. I already filed a police report which Im sending in this complaint and also an FTC ( federal trade comission ) report. XXXX XXXX already sent out information to credit bureaus to delete this account. The other 2 bureaus already removed the fraudulent information from my reports only Equifax is still reflecting the mentioned account. The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my Equifax report as soon as possible due to the fact that it is a fraudulent account.
Complaint sub-issue: Information belongs to someone else

This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX is it 's not my address can you please remove it
Complaint sub-issue: Account status incorrect

XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX ) I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

FED Loans : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XX/XX/XXXX-XX/XX/XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, Fed Loans, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Complaint sub-issue: Didn't receive enough information to verify debt

A company claiming to be XXXX XXXX XXXX XXXX. says they are collecting for Citibank MasterCard to collect and will make settlement before charge-off. They contacted my son while at work asking if he had poa for me, gave him the name XXXX XXXX & case # XXXX on X/XX/2017. I gave them a call, someone with another name came on phone wanting to settle {$1700.00} debt for {$1000.00}, he said a certified letter was returned in XX/XX/XXXX from the p o box # which had been temporarily closed, I told them to resend it to have documentation to review. No letters or documentation just phone calls. I have blocked the number, my son has gotten 3 more calls with them leaving voicemail messages. I can not find record of this debt on my credit report through XXXX or a credit counselor.
The numbers used by this company are XXXX & XXXX