Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

Approximately XXXX I have been a victim of fraud and ID theft. Someone open various accounts, request credit and made credit inquiries on my name, illegally, fraudulently and without my authorization and knowledge. On XXXX I put a credit alert and I report it to XXXX XXXX Police with the incident number XXXX. Then I made and Identity theft victim 's complaint FTC # XXXX and affidavit and I made a report and informed it with the XXXX credit bureaus ( including Equifax ). Equifax did not correct the following information : inquiries made fraudulently : XXXX made in XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX ( the XXXX XXXX ) XXXX XXXX XXXX XXXX I call Equifax to correct and delete from my credit the above inquiries and they told me that I must call and notify those companies that the mentioned inquiries were fraud. I called each company and answered all mail for them. I have evidence, for example : a letter from XXXX XXXX saying that they close the account because they determined was a fraud and I have to allow 45 days to the consumer reporting agencies to update their record. Equifax did not update my credit record and constantly put the XXXX fraudulent inquiries in my file. I call them and by internet notified them that those inquiries were fraud. I have all disputes confirmations # as and effort to correct my credit information : Confirmation # and dates XXXX made in XXXX bay phone ; XXXX made in XXXX ; XXXX made in XXXX ; XXXX made in XXXX and all with the following note : '' The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I did call each creditor and also send the Police report to Equifax and Equifax did not update my credit information by deleting fraudulent inquiries.
Complaint sub-issue: Account information incorrect

I have three credit cards with U.S. Bank that were paid in full and closed in early 2018. I then submitted a letter that I have a copy of because when I called and they have a record of my phone calls they said I had to submit the letter in writing which I do. I did not close the account and a relative who is deceased use the card I moved and by time I found out about it they said it was too late to dispute. Us bank promise me that they would remove it from my three credit reporting agencies they have not done that they have said very rude and remarks that are discriminating against me, they have provided wrong information as well and refused to correct it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This credit reporting agency Equifax removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to XXXX XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.
Complaint sub-issue: Debt is not yours

XXXX, XXXX and XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX 20222 after dispute however purchased by new company XXXX XXXX amount {$480.00} and added back to credit report as XXXX 2022 XXXX XXXX XXXX acct XXXX amount {$800.00} removed XXXX 2022 after dispute however purchased by new company XXXX XXXX amount {$800.00} and added back to credit report as XXXX 2022 XXXX XXXX XXXX acct XXXX amount {$1000.00} removed back in XX/XX/2022 and added back in XX/XX/ 2022 this is fraud XXXX XXXX XXXX acct XXXX amount {$220.00} removed back in XXXX2022 and added back in XX/XX/2022 this is fraud. 
I have attempted to contact these companies to validate debt to no avail. Information in credit report in dead phone numbers and bogus addresses.
Complaint sub-issue: Problem making or receiving payments

I received a deposit XX/XX/2022 for my work at a temporary job I got accessing by my uncles XXXX  account. My bank Albert rejected funds on the deposit withdrawal date of the XXXX because the deposit was wrongfully placed in my uncles name. I requested for my bank to send it back to the issuer which is my third party employer which they refused. Even after letting XXXX know about the situation they are unable to access 1099 paystubs for temp workers such as me due to their third party payroll system. I have sent ALBERT information they requested to accept the deposit provided by my employer. My bank Albert has held the deposit still and although notifying them of all my resources available from my employer. The deposit confirmation previous deposits with my name and hours worked. XXXX management conversation an a selfie of my uncle with his ID. I am thoroughly disgusted with the practices and service recieved from ALBERT
Complaint sub-issue: Was not notified of investigation status or results

I the consumer, myself has submitted a formal letter of complaint because a bankruptcy is illegally furnished on my consumer report. I have backing evidence stating from multiple entities that the information should not be reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXXXXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Was inquiring about a mortgage from credco/XXXX, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.
Complaint sub-issue: Non-sufficient funds and associated fees

My account was hacked. I sent a claim but my money was never returned.
Complaint sub-issue: Didn't receive enough information to verify debt

I reached out to Amerifinancial Solutions LLC in early 2021 about a bill that was being reported to my credit file from their company. 
The bill was for medical debt. 
I mailed Amerifinancial Solutions LLC a request for debt validation, a contract between their business and the original creditor that showed they could collect debt and proof that they were licensed to collect debt in the state of Florida. 
Amerifinancial Solutions LLC mailed me a document that appeared to be medical services that were performed and my name was attached to those services. 
However I was never mailed a HIPPA release form stating they could access my medical information. 
Amerifinancial Services LLC has violated HIPPA in a attempt to collect debt however has yet to validate the debt, show proof of a contract between their business and the original creditor to collect debt and show proof that they are licensed to collect debt in the state of Florida. 

I would like to report this incident to the CFPB and ask for help in resolving this situation.
Complaint sub-issue: Account information incorrect

ENHANCED RECOVERY COMPANY {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Equifax : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir, Equifax did not fix my issue According to my previous communications with Equifax, Its mentioned that my name, address, social and various identification details were verified as being accurately verified, also Equifax acknowledged various letters to me and various consumer protection bureau response to me. Equifax did not address or fix my previous complaint where as XXXX credit card and loans information missing in the credit report since XX/XX/XXXX. I also ran Equifax credit report dated XX/XX/XXXX and I did not find missing XXXX credit card and missing XXXX Auto loans, which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response, no transparency at all. XXXX also sent official letter that they correctly reported all my closed XXXX loans and Credit Card information to Equifax. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed from the credit report. Could you direct Equifax to add my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years and removing Auto Loans from credit report is a fraud and unlawful.
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/XXXX I sent a certified letter to LexisNexis requesting them to validate a bankruptcy and the associated accounts on my LexisNexis credit report. I told them if they could not validate this debt, I want it removed from my credit report. On XX/XX/XXXX they received the letter. Today isXX/XX/XXXX and I have yet to get any response from them, therefore violating the 30 days they have to respond from the date it was received.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.
Complaint sub-issue: Debt was paid

I purchased appliances from Conn 's with a 12 month cash option. The loan debt was effective on XX/XX/XXXX and was due to mature on XX/XX/XXXX if normal payments of {$99.00} were made but my goal was to pay in full to receive the cash option. I made all of the payments ahead for time and my final payoff of {$200.00} was recorded on XX/XX/XXXX which was well within the 12 month cash option. Please note that I call Conn 's to receive my final pay off amount which was {$200.00} but they are claiming they have no record of the conversation. Conn 's has rejected the cash option because they claim I had multiple late payments but the loan ledger shows otherwise. Please help me. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US Dept. Of Education/XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and student loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax student loans from XXXX  where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit
Complaint sub-issue: Information belongs to someone else

Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello XXXX XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX  XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

Equifax chose avoidance of the XXXX fraud. Confirmation is awaited from Equifax that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2018, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I signed up for an XXXX XXXX trial using a Citi Rewards+ credit card. XXXX XXXX is a software service that charges {$29.00} per month. 

I cancelled my XXXX XXXX trial before the trial period ended, and should not have been billed. 

Instead I was billed for XXXX straight months, resulting in charges on XX/XX/2022, XX/XX/2022 and XX/XX/2022. I never authorized any of these charges. 

I first contacted XXXX to explain the situation, and the representative I spoke with said they couldn't even locate the account that was associated with the free trial, and that I should not have been billed. They said because they couldn't locate the account using my credit card information, that I should dispute the charges with my bank because I never authorized these charges. 

I disputed the charges with Citi. They removed the late fees and interest but upheld the charges, which makes no sense because I never authorized these charges and XXXX doesn't even know what account is associated with these charges. 

Now I can't even close this credit card because this is outstanding. Citi needs to reverse these fraudulent charges and allow me to close this credit card account to protect me as a consumer from more fraudulent charges from XXXX. The way they have conducted themselves throughout this process is entirely unacceptable and I will never use a Citi product again in my life. 

Please help me reverse these fraudulent charges with Citi and close out this credit card. 

Thanks, XXXX XXXX