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

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Complaint sub-issue: Debt is not mine

I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

My accounts were sold to a third party company with out my consent
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a 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 late for any purpose.
Complaint sub-issue: Debt is not yours

National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX  before sending me any bill. I called them and they said the debt is valid. 

I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?
Complaint sub-issue: Information belongs to someone else

I am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.
Complaint sub-issue: Information is not mine

In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.
Complaint sub-issue: Loan sold or transferred to another company

In XX/XX/XXXX total I purchased 3 vehicles from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX phone # ( XXXX ) XXXX ; of the 3 vehicles 2 of them was financed. In XX/XX/XXXX i noticed that the dealership and all the others had gone out of business. I had been making payments on time each month and after XX/XX/XXXX i  noticed i stopped receiving emails of my payment conformation so I called and spoke with a worker who told me that XXXX XXXX now owns the loan! I was shocked because I had not received any notification from XXXX XXXX that they was going out of business nor any intent to sell or transfer my loan to XXXX XXXX. in addition my vehicle had many issues with the radiator rendering it inoperable for the 1st month and a half and i recently had more radiator issues as well.
Complaint sub-issue: Information belongs to someone else

This is a request to verify the documents used to publish these account to my credit report. The FCRA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called due to issues with accessing the website to submit a dispute and the agent on the call insisted on knowing why I needed to call. I advise I had an issue with Chapter XXXX on my credit and needed to access report to review the information reporting on the actual report with Equifax. The agent proceeded to reassure me that this information would not be removed without offering to do a full investigation. She was unwilling to offer to submit the request. She then moved on to assisting with getting access to the account. We were on the phone for nearly an hour when she finally verified the email that I was using was incorrect. We tried accessing with the correct email and that did not work. She then verified for home address and what she provided was invalid.. She quickly offered to update my address. I am still at this time not able to access the account. When I asked about the dispute process. She repeatedly asked why did I want to dispute the BK. She was short and rude and would not allow me to explain the issue. I told her of how I felt about the treatment I was recieving and she responded " As long as you have credit you will have to deal with us. '' I told her that I was upset she paused. and responded ... IS ther anything else. At that point I needed to disconnect the call before my emotions became escalated. This organization does not care about the consumer and is not willing to help resolve any credit related issues. Just an overall horrible experience.
Complaint sub-issue: Information is not mine

I am going through a divorce with XXXX XXXX XXXX, XX/XX/XXXX, address is XXXX XXXX XXXX XXXX, XXXX, WV XXXX. XXXX XXXX has used my cc to charge multiple services on my XXXX Credit Cards, for ex : Instant XXXX. He has created multiple email addresses to obtain information from my credit cards and/or credit report. The email addresses being used are XXXX # XXXX, with my name being XXXX XXXX, Also, there is XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. XXXX XXXX has been letting XXXX XXXX XXXX XXXX, DOB - XX/XX/XXXX ( my sister ) and XXXX XXXX XXXX ( my cousin ) use my ss # in order to obtain Credit cards for their personal use. This activity has been going on since XX/XX/XXXX until current. XXXX XXXX has been doing it longer. Please help me, I feel my credit is being destroyed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a email, due to. XXXX XXXX hacking into them ... You may try and use XXXXXXXXXXXX
Complaint sub-issue: Debt was paid

A collection agency is trying to collect for a payment that was tendered by the original creditor. I.C. Systems Inc. sent a letter for collections in the amount of XXXX ; however, said amount was tendered by the original creditor against my check # XXXX. 

Can you ( CFPB ) please investigate this company? Or do I need the IL OAG to perform that action? 

This is an escalation of XXXX # XXXX. 

Business Information Business Name : IC System, Inc. 
Address : XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " Macy 's Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.
Complaint sub-issue: Information belongs to someone else

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH XXXX   AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company
Complaint sub-issue: Account status incorrect

Re : Inaccurate Credit Information To Whom It May Co ncern : I received a copy of my credit report and found the following item  ( s ) to  be errors. This item is to be updated with Equifax. Please do so immediately and send an updated letter to me. My account is being reported closed on  XXXX    XXXX  . Has been this way for  six months. Reporting credit card is late two times which is incorrect the account has been paid all payments have been made.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( Equifax, XXXX, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I obtained an updated credit report and there's credit inquiries I do not recognize authorizing. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries, signatures or documents. The credit bureaus will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019
Complaint sub-issue: Information belongs to someone else

There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.
Complaint sub-issue: Information belongs to someone else

I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.
Complaint sub-issue: Reporting company used your report improperly

I have been listed as pontentially impacted by the Equifax security breach where they were hacked and private information has been leaked. I do not take kindly to my information being leaked or possibly leaked. It 's completely unprofessional to have weak security with regard to such vital information.
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, a woman named XXXX XXXX defaulted on her lease with an apartment community called XXXX XXXX. On XX/XX/XXXX, the apartment community sent the lease with her name, a copy of her drivers license, and all other pertinent information to a collection company called Hunter Warfield. Sometime in XX/XX/XXXX, Hunter Warfield contacted me, XXXX XXXX, telling me I owed money to this property. I told them that I had never lived at this property in XXXX XXXX, and they attempted to gather more information from me. I told them to find the woman named XXXX XXXX who was on the lease they kept mentioning, as my name has legally been XXXX since XX/XX/XXXX. 

Apparently they searched XXXX XXXX for anyone whose name matched this womans, and my name was formerly XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

I went to the apartment community, XXXX XXXX at XXXX XXXX, who sent this womans lease into collection. They showed me her lease and drivers license picture. I showed them my ID, although unneeded, as they had never met me before. The manager assured me she would call XXXX XXXX to clear up the matter. 

At some point, unbeknownst to me, XXXX XXXX placed this debt on MY credit, committing identity fraud against me. I called them this month, in XX/XX/XXXX, asking them to remove this debt from my credit. They did not want to release any information to me, as they could not pull up this womans file using my social, my drivers license number, or even my legal name. I told them because they had ruined my ability to lease a short-term apartment while I sell the home I have owned since XX/XX/XXXX, they needed to provide me with information. 

All they had was my cell phone number, which they found on XXXX XXXX. They first refused to take it off my credit, claiming they had never placed it on my credit. It was on XXXX  and XXXX, both of whom I have reported this debt to as fraud as of XX/XX/XXXX. As of today, it is cleared off XXXX, and XXXX states it will be off TransUnion by XX/XX/XXXX. However, also as of today, Hunter Warfield is again trying to contact me concerning this womans debt. 

From my conversation with Hunter Warfield, they have sent me a piece of paper asking me to file a report against this woman, XXXX XXXX ; however, she did nothing wrong. She did not steal my identity, and she did not commit fraud against me. Hunter Warfield did, and apparently will continue to do so even after I send them the documentation, as they are texting me links about this debt even today ( XX/XX/XXXX ). 

The account number they have for XXXX XXXX is XXXX. Their creditor account (? ) is XXXX. The balance XXXX XXXX ( I thought I remembered it being XXXX XXXX, so they may have changed her last name to match my maiden name on XXXX XXXX ) is {$870.00}. The company Hunter Warfield is collecting from is XXXX XXXX. 

Hunter Warfields mailing address is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Their phone number is XXXX. 

I am attaching the letter of resolution from Hunter Warfield, the two bureaus, XXXX   and XXXX, that were reported from my XXXX account, as well as the dispute results from  XXXX.
Complaint sub-issue: Talked to a third party about my debt

I entered into a lease with my ex husband at the XXXX and we are both equally responsible for paying the amount that is owed. the XXXX are well aware of the tenant i lived with abandoned the residence therefore leaving me with the full debt.I would like to resolve the issue by paying half the amount that is owed to the collection agency.
Complaint sub-issue: Personal information incorrect

Companies are providing secondary information on my behalf without my permission. 

I want to opt out because I never opted in Ive Never given them permission to report on my behalf P.S. most of my information given from the third and second parties are Unverifiable. 

on top of that the amount of Inaccuracies in my report is outrageous and needs to be address immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inaccurate Reporting XXXX XXXX XXXX Reported date different mutitple inquirys wrong
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.
Complaint sub-issue: Debt was result of identity theft

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Complaint sub-issue: Attempted to collect wrong amount

I was contacted by D & A Services , LLC via letter dated XX/XX/XXXX. They informed me they were representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect a debt amount of {$800.00} which they purchased from XXXX XXXX. 

I responded within the 30 days asking them to validate the debt which they did. I sent a D & A Services a debt settlement letter. Agreed to pay the original amount of {$620.00}. I also informed them because Covid-19, I would pay this in 4 installment payments of {$150.00} on the XXXX of each month. I sent this letter on XX/XX/XXXX. 

I waited for a response. I received a letter dated XX/XX/XXXX saying I didn't respond to their letter. They reduced to debt from from {$800.00} to {$680.00}. 

I replied to D & A Services LLC on a letter dated XX/XX/XXXX their letter was incorrect. I did respond. They received and signed for my certified debt settlement on XX/XX/XXXX @ XXXX XXXX   according to the USPS website. I provided the tracking number printed out a receipt from USPS. I re-iterated my previous settlement offer of {$620.00}. This letter was mailed out on XX/XX/XXXX. 

I received a phone call from D & A Services LLC on XX/XX/XXXX @ XXXX XXXX. A woman left a voicemail. I called back and informed female rep who I was. This call lasted 5 mins and 36 seconds. I was on hold for 5 of those minutes. I informed her to please contact me via letters as we have doing. Don't call me. She advised she would relay my message. They received my certified letter at morning. I'm in California so I'm 2 hours. They received and signed for my certified letter and then called me promptly. 

I'm still waiting to hear from them. My issues with them are : 1. They lied about that fact I didn't respond to their correspondences.

2. They lied about not receiving me letters because I sent all correspondences by certified letter via USPS. I have receipts.

3. They've inflated my original debt amount.
Complaint sub-issue: Information belongs to someone else

I need the following removed off my equifax account, Ive tried to resolve the issue with them and sent in identity theft paperwork. 

But now I can't even see my credit report on the Equifax website. Only shows 1 account so they won't let me dispute. I had to pull this from XXXX XXXX to see what's on my file.

Accounts needs to be removed XXXX XXXX/XXXX  Closed Closed XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed Closed XXXX XXXX Inquires All inquiries need to be removed, I haven't applied for credit in over years
Complaint sub-issue: Banking errors

When I transfered funds from a XXXX XXXX account into my US Bank account. I accidentally withdrew from the US Bank account when I had no funds. They fixed the issue but when I tried to transfer the same amount into the US Bank the fraud department thought it was the original transfer out of the us Bank and automatically " fixed it '' by taking our second transfer of XXXX XXXX We called US Bank they said it would be resolved in 10 days. We keep checking on the status and now they don't even have a record for part of the calls. We just want our money back and they would do that. Thank you.
Complaint sub-issue: Information belongs to someone else

I disputed an account, XXXX, that was the product of identity theft. The company removed it but then added it back through Equifax despite knowing it was a fraudulent account. I would like it removed. The FTC Report Number is XXXX.