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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX XXXX. XXXX XXXX Bank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX Bank XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I contacted Equifax via certified mail in response to a recent claim that the Illinois Federal Court verified the bankruptcy under my name is accurate. I challenge the accuracy, compliance and reportability of this listing because the information was NOT released via United States Federal Court but through a 3rd party XXXX/XXXX. And with this information being obtained through a 3rd party and NOT DIRECTLY from the court this is a violation of the Fair Credit Reporting Act. Equifax failed to validate this information through the Illinois Federal Court, providing me with documentation of any viable evidence bearing my signature that I gave this 3rd party XXXX/XXXX  consent to release any information on me. In my letter in XXXX, I requested a reinvestigation and Equifax method of verification and to this present day I have yet to receive that information. I informed Equifax that as in Wenger vs. Trans Union Corp., No. 95-6445 ( C.D. Cal, Nov. 14, 1995 ) they may be liable for the willful non-compliance.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document for 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 identity theft. I need the fraud accounts that are in my letter that are 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 will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Problem with personal statement of dispute

XXXX bank at no point in their response back to me informed me of any of my issues, that I reported on my complaint. 
I asked to know why is my credit limit being lowered with EVERY PAYMENT I MAKE..they lower my credit limit to the new amount owed After each payment..keeping my credit utilization thru the roof and keeps having my CREDIT SCORE DECLINING BECAUSE THE REPORTING AGENCYS ONLY SEE THE UTILIZATIONS HIGH AND THAT LOWERS 30 TO 50 POINTS ECERY MONTH ON MY CREDIT REPORT ... I HAVE LOST ALMOST XXXX POINTS JUST BECAUSE OF THIS ISSUE.. 

Sooner or later I know some one will sue for the right laws and when this becomes a claim I well be the first 1 to add my name to the list ... this has got to be illegal to an extent.. 

I understand you give me credit you can take it away ... but you take it away with out hurting my credit score involved ... and to top it off..I have not missed 1 payment with my schedule..and yet they punish me and my credit score each passing month ... 


They did not comply with a correct response to any part of my complaint ... they legitimately just wrote words on a pdf file to have as a response with out no foundation and no law to stand behind my complaint.
Complaint sub-issue: Problem with rewards from credit card

I opened U.S. Bank Business Leverage Visa credit card on XX/XX/2020. I spent about {$13000.00} on the card in three months and earned XXXX points, but US bank closed my card without any valid reason in XXXX. I did nothing wrong in accordance with the terms of the US bank Cardmember Agreement. I called US bank multiple times to get back my XXXX forfeited points, but I received no answer. This is absolutely unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

An account was obtained via fraud, someone used my personal information without my consent to obtain an auto loan through XXXX XXXX. However, that account was to be removed from all of my personal credit files, XXXX  and XXXX  both adhere to the request after a thorough investigation. However, Equifax has chosen to continue reporting this account. That said, due to this inaccuracy listed in my Equifax file, I have suffered multiple adverse actions in lending and employment, which have caused me tremendous financial hardship. 

In addition to my complaint, XXXX XXXX has violated the law and is not in line with the Fair Debt Collection Practices Act. The original creditor continues to report the account to Equifax but sold the account to a third-party collection agency that is reporting the debt. 

I am contacting this agency hoping that a solution is rendered regarding my Equifax credit file 's inaccuracy.
Complaint sub-issue: Debt resulted from identity theft

IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, XXXX
Complaint sub-issue: Attempted to collect wrong amount

I received a letter from ( supposedly ) from AvanteUSA claiming a debt of {$96000.00} from XXXX. I called XXXX and they have no idea where that amount came from - that the amount I owe is {$940.00}. That is not even the amount pending with the insurance. I tried to call the number on the letter I received but the call will not go through - it appears to be a fake number. ( This debt is for treatment for my husband, who passed away recently ).
Complaint sub-issue: Reporting company used your report improperly

Equifax has merged my excellent credit report with another person that has the same name and similar social security number. They will not remove negative information from the other persons credit history from my credit report nor will they verify if my credit history has appeared on his credit report. Through their numerous  XXXX  ups Equifax has provided me with the other persons social security number, date of birth, addresses, etc. Equifax will not verify that my personal information has been properly secured.
Complaint sub-issue: Account status incorrect

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts XXXX ( reported thrice on my Equifax credit report ) , XXXX XXXX XXXX, XXXX XXXX ( reported twice on my Equifax credit report )
Complaint sub-issue: Debt is not yours

XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

Im 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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: You told them to stop contacting you, but they keep trying

D2 Management repeatedly calls my phone number and my wife 's phone number using local spoof numbers. They don't identify the company they are calling from until asked several times and they get nasty and rude when identifying the company. 
Neither of us have any debt at all and nothing in collections. The company refuses to send us proof of debt or give us any information over the phone. They literally don't even want to tell us the name of the company until we provide them with the last four of our SSN, which we will not do. I have repeatedly told them that I will not give out my info to someone randomly on the phone. They can identify themselves, use their real phone number and even ask me to confirm what they have after they tell me at least part of what they have but I will not give my information first. 
According to the XXXX  this seems to be what they do to everyone they call. This is a huge red flag for a scam company. 
Their most recent call was XX/XX/2021 from XXXX.
Complaint sub-issue: Account status incorrect

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}
Complaint sub-issue: Attempted to collect wrong amount

I am trying to close on a house and over the last year, I have been repairing my credit. I called XXXX XXXX because my lender saw a collection on my credit report that was charged off. When I called the first two times, I was told that i must have the wrong credit card company because there was no record of my collections account there. I had my lender send me a screenshot of what they were seeing and sure enough, it was an account with XXXX XXXX. So I called back and asked to speak to a manager. Finally a manager was able to verify my collection account and got me over to XXXX  in Loss Mitigation. XXXX verified my account and I offered to pay it in full IF they would send me a {$0.00} balance letter THAT DAY for my lender. She said I would get one emailed to me immediately because the payment will trigger that automatically. So I paid the account in full- {$410.00} paid XX/XX/XXXX acct ending in # XXXX XXXX XXXX  Payment Confirmation # XXXX I asked when I would receive the letter and again, XXXX said to give it XXXX minutes and that if I didnt get it, to call back. Didnt get the letter over an hour later, so I called back and asked to speak to XXXX I was told no one could send me to her and that, AGAIN, the account I just paid off, did not exist. I was hung up on 3 times before someone gave me to a manager and they got me over to someone who claimed to be XXXX manager. When I asked where the letter was, she said Oh well XXXX didnt tell you that it takes up to 2 weeks for your payment to post so you will receive a letter after your payment posts. I was furious. I told them I was going to lose my house if they didnt send me a letter ASAP. They said theyd try to escalate it. Well, I never received the letter and my first mortgage got denied. 

I have called back and disputed the account MULTIPLE times always with the same result. I have uploaded screenshots from my bank account where I paid the account in full, as well as the payment confirmation number, and the entire story and everything employee Ive spoken to to NO AVAIL. I even took to social media, emailed the CEO of XXXX XXXX and then finally, 3 DAYS BEFORE MY CLOSING, they responded to my credit dispute on XXXX and REPORTED MY ACCOUNT AS {$410.00} CHARGED OFF IN XXXX OF XXXX!!! I PAID THE ACCOUNT IN XXXX!!! THIS IS FRAUD AND THEY ARE RUINING MY LIFE!! MY FAMILY COULD BE HOMELESS BECAUSE OF THEIR CRIMINAL ACTS!! Im filing a lawsuit against them and they should be receiving a letter from my attorney this week but they need to be SHUT DOWN FOR GOOD!! Please help the public by investigating and shutting them down! They are a DANGER to the American people!!
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I had fraudulent unauthorized transactions that were made on my account totaling about roughly XXXX and XXXX is refusing to dispute and refund me my money back
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been constantly ignoring my request for validation of accounts. I have requested several times from the companies for proof of contract that applied with them to no prevail. I have also sent Equifax numerous of request to delete due to no contract or validation of account and provide proof. Equifax has continuous ignored my request even after providing proof. They are also displaying someone else ssn number on my credit report. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. They are stating it is from an application. I do not apply for anything with someone elses ssn so please remove. Please not this information was sent to a Supervisor in their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this back to my file. Equifax practices regarding peoples SSN,  identity, and file to me is criminal. They just allow anything to be on the reports without proper validation. Please see the attached letters that were sent to Equifax certified as well as faxed. They have violated my rights completely.
Complaint sub-issue: Didn't receive notice of right to dispute

The original creditor was Discover. Due to financial hardship ( loss of jobs ), I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. 

When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. 

I didn't hear from them for quite a while until I became aware of a default judgment against me. They had served the renter of our property, and I never received the summons. 

Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

I've sent multiple letters seeking investigation on different items that are reporting on my credit report and the credit bureaus have failed to respond to any of my letters.
Complaint sub-issue: Information belongs to someone else

THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late
Complaint sub-issue: Frequent or repeated calls

I have been receiving robo phone calls almost every day for months about a debt. But, I don't have any debts and have never had any debts. The calls continue, though, and tell me I should call this number ( XXXX ) XXXX to contact XXXX XXXX. The last two recordings are dated XX/XX/XXXX and XX/XX/XXXX of 2020.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX and XXXX account number 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 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, 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

Errors from DISCOVERY FINANCIALS SERVICES are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}
Complaint sub-issue: Information belongs to someone else

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedXXXX XXXXL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 EQUIFAX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX