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

I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. XXXX XXXX | XXXX XXXX | XXXX | Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Complaint sub-issue: Public record

I 'm making this complaint because month after month I send the proof to Equifax that they are reporting this bankruptcy wrong by sending the public records page from my credit report and they have failed to correct or remove it each time and come back saying that it has been verified. 

Here 's my dispute with Equifax : Bankruptcy Docket # XXXX # 1 You have the date " XXXX/XXXX/XXXX '' and this date is NOT accurate or even existent! 
# 2 I 've notified you of this multiple times and therefore, I am notifying the Consumer Financial Protection Bureau of this violation immediately and am sending this complaint with my letter # 3 The docket # is not correct as well as incomplete # 4 " BK Court '' is not a court - this section must list bankruptcy court with the city and state # 5 the liability amount must be numerical and you have " K ''
Complaint sub-issue: Information belongs to someone else

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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, XXXXXXXX XXXX XXXX # XXXX.
Complaint sub-issue: Attempted to collect wrong amount

In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} XXXX explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.
Complaint sub-issue: Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX XXXX partial account number XXXX and partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these ( 2 ) accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

Good afternoon, My servicer XXXX, American Education Services, sent me mailing about my deferment ending. I called in and spoke with a representative in XX/XX/XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into AES and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This needs to be corrected immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft AVANTUS LLC Account Number : XX/XX/XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX 8.XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX Equifax 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: Debt is not yours

Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!
Complaint sub-issue: Other problem getting your report or credit score

THE DEPARTMENT OF EDUCATION KEEPS ASKING XXXX, EQUIFAX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XX/XX/2021 }, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX CONTINUES TO REPORT DUPLICATE ACCOUNTS EVEN AFTER REQUESTING REMOVAL MORE THAN ONCE AND NOW 4 MONTHS LATER!! 
ACCOUNT # XXXX IS 14 DUPLICATES FOR STUDENT LOAN THE ACCOUNT STATUS IS SHOWING " INDETERMINATE '' WHICH IS NOT CORRECT AT ALL. 

ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED 4 TIMES!! 

ACCOUNT XXXX ALSO WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED THIS IS HURTING MY CREDIT RATING AND I DEMAND FOR AN INVESTIGATION AND CORRECTION AS SOON AS POSSIBLE! 

THANK YOU!
Complaint sub-issue: Their investigation did not fix an error on your report

THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER EQUIFAX, XXXX NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.
Complaint sub-issue: Debt was result of identity theft

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
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: Debt is not yours

I have a debt collection reporting on my credit that is not mines. I do not know where this debt came from but it does not match my information. It appears to be related to a utility service account. I have never authorized services through this company.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request
Complaint sub-issue: Debt was paid

I was a XXXX customer for many years, but due to some unfair practices " Free Tablet offer than after receiving the free offer they turn around an charge you for it along with a monthly charge for usage. I decided to stop using their service. However, my equipment was paid for. It appears after i discontinued service they accumulated extra bills on that account and turn them over to me as debt. 
I do not owe the sprint company any money. the XXXX company sold my name IC System and the IC System reported me to two Credit agency XXXX XXXX and XXXX. 
With information obtain from XXXX service. I contacted XXXX Customer Care on  XXXX XXXX an the Rep. could not get access nor verified any information regarding that claim. I contacted XXXX XXXX and XXXX credit Bureau all of them fail to help me. I need HELP because the greed and unfair practice of XXXX have place my credit freedom on HOLD for far too long ... XXXX,, Help Please Thank you
Complaint sub-issue: Information belongs to someone else

fraudulent account, XXXX XXXX XXXX ,XX/XX/XXXX2010, XXXX $
Complaint sub-issue: Account status incorrect

I have a collection account on XXXX, XXXX and Equifax from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
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 charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

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

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

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  : {$9100.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.