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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I applied for and was approved for a Discover it card in the amount of XXXX . This was good news as I have worked hard the past two years to build the credit standing that I am in today. I recieved the card and activated it immediately. Two days later ( XX/XX/21 ) I recieved an email that my account was being frozen to review my financial information and I would need to sign an authorization through XXXX for a 4056-T to release my tax returns. I complied with this request and was told that the IRS was backlogged when I called to check on the review. This was concerning to me as the IRS says it only takes 3 business days to turn over the information. Today, over a month after the request, I recieved an email stating that my account was being closed effectively immediately based on my account information as a whole that they were unable to verify information on my account. I myself am able to log in to my IRS account and pull my transcripts, the same as Discover requested and I see they are available, thus I do not see how they can claim that information was not verifiable. Furthermore this is a clear bait and switch, Discover has every right to do their due diligence when deciding whether to approve a customer for an account or not. However, to approve an account, send a card, allow me to activate the card, freeze my account for 30 days, and then close my account, is negligent and impacts me negatively as a consumer when they couldve just denied my account in its entirety. I will be contacting the IRS to confirm if and when this review was even completed.
Complaint sub-issue: Information belongs to someone else

Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXX XXXX. I was in because I was 1 of the 300 top wage earners in the maintaince dept. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX  XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's XXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still Equifax for sure and maybe others. I haven't even been able to look at Equifax becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.
Complaint sub-issue: Debt is not yours

I have never had contract with this business.
Complaint sub-issue: Debt was paid

I have called the company listed on the credit bureau and they either dont answer, Im transferred to an agent that hangs up on me, they havent disclosed the origination of the debt, and repeated attempts and based on the amount lead me to believe it is an old debt that was either paid by insurance for healthcare or it was discharged in bankruptcy. The dates and times of calls along with the creditor details are below. It has been reported on my credit for over three years and it continues to accrue interest and negatively impact my credit. Ive even offered to pay it and was hung up on. 

Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX - called - answered then transferred to busy signal XX/XX/XXXX - XXXX. Called - spoke to a lady transferred and no answer. Called back and office was closed. 
XX/XX/XXXX - XXXX. Called. Spoke with XXXX who stated he was the only one to speak with and when I asked about the debt and requested documentation of the debt he hung up. 
XX/XX/XXXX. Called. Answered then busy tone. Called back and it rang without and answer. Called back again and office was closed. 
XX/XX/XXXX. Office closed XX/XX/XXXX. No answer. 
XX/XX/XXXX. Left voice message. No call back, ever. 
XX/XX/XXXX. No answer. 
XX/XX/XXXX. Called and spoke with a nice lady. She looked me up and stated there was an agent to handle it. Transferred and spoke briefly with a guy who was extremely rude when I asked about details of the debt. I supplied all my contact details and verified who I was - he wouldnt supply details other than it was for a hospital visit and it was definitely owed. Needed to be handled immediately or court action would ensue. Then hung up. Called back - no answer. 
XX/XX/XXXX. No answer XX/XX/XXXX. No answer.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of Equifax Data Breach. I demand to remove those accounts or I will file a litigation.
Complaint sub-issue: Information belongs to someone else

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my Equifax - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Complaint sub-issue: Debt was paid

The account has been paid off and its still reporting on my credit. I spoke with the creditor and they said that it would be removed from my report and its still reporting on my credit.
Complaint sub-issue: Debt was result of identity theft

The information provided to me indicates that a collection agency named IC Systems Collections sent an account of {$1300.00} to collections. My records indicate this was done on XX/XX/22. The original creditor is listed as XXXX. 

I have never interacted with XXXX. I have never bought anything from them, nor have I used their phone services.
Complaint sub-issue: Account status incorrect

Equifax is inviolation of the FCRA Federal law, they are illegally opening anc closing and account listed on my credit report and updating the balance from XXXX to {$15000.00}. I have filed complaints with the attorneys general office and I plan to file a lawsuit if equifax does not permanently close the account listed as XXXX XXXX XXXX XXXX because it was paid in full on XX/XX/2018. I have provided proof to equifax that this account has been paid in full and they are still illegally reporting this account on my credit reports and illegally opening and closing the account.
Complaint sub-issue: Debt is not yours

For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account. 

JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS. 

This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
Complaint sub-issue: Banking errors

I RECEIVED A FRADULENT EMAIL FROM BANK OF THE WEST.
Complaint sub-issue: Debt was result of identity theft

In around XXXX I came to find out that my father took out a loan with EduCap in the amount of {$12000.00} and used my information to obtain it. I used federal financial aid to fund my education and never used a private loan so I was surprised to learn this information. I filed a police report and my father who has now passed wrote a letter explaining the situation to the lender. I never received and do not recall receiving any information regarding this loan since about XXXX. Recently, I received a letter that my wages will be garnished. I have asked for and never received fraud and identity theft paperwork or a hardship request and reached no solution. This company and their collectors have been harassing me for over 8 years. I tried to reach a solution but was told to contact a lawyer and that the company decided I am responsible after several attempts following their rules to show I did not take out this loan. This is continued harassment and has to be illegal to never summon me to court and only send notices that I have to pay or they will take my hard earned money. I want the matter resolved and filed as fraudulent.
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Complaint sub-issue: Application denied

Reference # XXXX I contacted Home Depot credit card to discuss the reasoning for their decision. After being transferred to 3 different people I ended up talking to a supervisor named XXXX. My first question was about the credit score.  She could not tell me what score that they were using. Examples FICO  XXXX, Vantage 3.0, etc. The reason I was asking is because the number reflected was not even close to the actual numbers that I obtained from the credit bureau myself. In addition as we looked over my credit report there was conflicting information through out the report and she could not answer my specific questions. How can a company be following the FCRA if they cant even explain their own information to the consumer?
Complaint sub-issue: Attempted to collect wrong amount

someone stole my identity they opened accounts i did n't even know about. I do n't owe anything I just want to get this mess over with.
Complaint sub-issue: Debt is not yours

In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission.
Complaint sub-issue: Personal information incorrect

I sent letters and disputed online to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Correct AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., 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 paid

I closed my Citi Thank You Preferred card on XX/XX/XXXX via a call with the CSR. It was very productive, and they helped me pay off my balance and close the account. 

About one month later, on XX/XX/XXXX, I got an email saying that my closed account was past due, and I owe a payment of {$35.00}. This was a surprise to me, so I called the CSR ( employee ID XXXX ) and they said they could only help me pay and could not help me dispute the late fee. Additionally, they could not tell me the schedule for the fees I had been charged, or when they were set to increase, so I am very confused and am unsure what my options for resolution are. Additionally, they will not let me set up an online account since my card has been closed, so I can't even check the statement!
Complaint sub-issue: Information is not mine

the company have received the identity verification documents and has closed the account and no longer reporting but Equifax continued to report negative.
Complaint sub-issue: Attempted to collect wrong amount

The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. 
FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Information belongs to someone else

there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/22 I was contacted by BC Services in regards to a Hospital Bill, the Rep offered that this will ruin/hurt my credit it I did not pay that day.

The NO SURPRISES ACT enacted by the House or Reps states that Hospitals have to offer the prices for services upfront. This did not happen.
Complaint sub-issue: Account information incorrect

At the end of XX/XX/2020 my mortgage bank, Investors Bank, offered me a forbearance for 3 months due to Covid-19 pandemic issues.

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and Investors Bank said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and XXXX are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified Investors Bank several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times.

So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way Investors added {$25000.00} to my loan balance did affect my credit score.

Second, I feel Investors is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.
Complaint sub-issue: Account information incorrect

I keep saying that XXXX XXXX is not mine. Please remove from my credit report. Thank you!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21, I wrote into each bureau identifying inaccurate and unvaried items. As of today over 30 days later I have not received a response. I feel like Im on a hamster wheel going around in circles. As I'm learning about disputing these items I discovered my information was impacted by the Equifax data breach and now more than ever I believe my information may have fallen into the wrong hands.
Complaint sub-issue: Debt is not yours

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Seized/Attempted to seize property

XXXX XXXX XXXX and BWW Law Group are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. XXXX and BWW has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. XXXX and BWW was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. BWW has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ XXXX. BWW attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. BWW and XXXX poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws BWW and XXXX continues to violate is of significance. BWW appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, BWW acts as if it above federal law while engaging in interstate commerce for illegal purposes. BWW and XXXX was Ordered to pay actual damages in the amount of {$4.00} XXXX Dollars pursuant to XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. BWW and XXXX must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. BWW and XXXX must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.