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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXXdischarged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX XXXX account showing charged off in the amount of {$3400.00}.
Complaint sub-issue: Problem getting your free annual credit report

Equifax not following the federal mandate to provide a free annual credit report. 
Equifax suffered a security hack a few years ago and since then, I have not been able to obtain via their website, a free report. Unable to obtain in XXXX, XXXX and now in XXXX. 
How is this Equifax company still allowed to be part of the XXXX XXXX XXXX program? The website won't provide an online report but rather says you must request in writing and provide 2 proof of identity. This is three years in a row. Why would I trust sending you identity verification & a written request that has security info on it to you via mail? As a company, you already had security issues but are now requesting that a consumer must provide a paper request with verification? 
How long does it take for a company to fix security issues? I feel that this company should be eliminated from the free XXXX XXXX XXXX  program. The other two, XXXX and XXXX   are providing reports via the internet without issues. 
Equifax does not deserve to remain a qualified credit reporting company and certainly does not qualify to work with any government mandated requirements.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a major security breech & I was identified as one who 's information has been compromised by the hack. As a credit reporting company, it 's their job to make my information secure & take precautions to make sure adequate security is in place to protect that information. Especially when our information is obtained by Equifax automatically as it is with all Americans or persons living in this country & part of the credit system.
Complaint sub-issue: Information belongs to someone else

I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.
Complaint sub-issue: Frequent or repeated calls

getting constant calls, ,i have no idea what the debt is, and wont tell me
Complaint sub-issue: Information belongs to someone else

I have multiple accounts on my report that are not mine. I have no idea what these accounts are and where they came from. I am asking for them to be removed as they could be opened as a result of identity theft or a mistake by the credit bureaus. I have attached a copy of the ftc report and two forms of ID
Complaint sub-issue: Account status incorrect

I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX   about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score.
Please help me with this matter. Thank you, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had an XXXX credit card acct # XXXX with a balance of {$410.00} was sold to L.H.R on XX/XX/2012.I had attempted L.H.R on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXXXX XXXXXXXX XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a report.
Complaint sub-issue: Debt is not yours

Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was paid

I made a payment to my outstanding medical bill at the Hospital in the amount of {$800.00} on an outstanding balance of XXXX. I contacted the billing department to confirm that a prior payment of {$700.00} on my FSA account had processed because I had found a notice that it had not. The billing dept had confirmed that it posted but there was still an outstanding of {$1600.00}. I informed them that I had made an {$800.00} payment earlier that day. They said that they would likely not see it post until XX/XX/XXXX. I inquired about making payments on the remainder and was transferred to a different individual. When I requested a repayment plan she informed me that the account had been turned over to collection and that they would set-up a repayment plan. I informed her that was not something I would want to do and that I would pay the entire amount. She asked if she would like me to be transferred to their payment department which I agreed to and she did. I paid the remaining amount of {$860.00} to the hospital cashier over the phone to clear the balance. I asked the person in the billing department that had transferred me to the hospital cashier concerning the collection status and how that would be addressed since payment would be made in full. She indicated that there would be a report from the Hospital to the collection agency that the balance was paid in full to the hospital as XX/XX/XXXX or XX/XX/XXXX. Today XX/XX/XXXX, I received a form letter dated XX/XX/XXXX from the collection agency demanding payment or further actions would ensue. I have attempted to contact the number provided by the agency several times during their stated business hours. I get a recording that all reps are engaged and that I am being placed in a call queue and then disconnected. My contention is that AR should know or that it is their responsibility to know that no such debt exists. I want to make sure that they can be stopped from reporting anything to a credit bureau on an amount that does not exist. My current score is greater than 800
Complaint sub-issue: Information belongs to someone else

i have contact eqifax about the inquries being wrong multiple times with no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Didn't receive enough information to verify debt

I pulled my credit report and saw that I have an account on my credit file from Enhanced Recovery Company account number is # XXXX with the amount of {$420.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.
Complaint sub-issue: Deposits and withdrawals

I've been a customer for CITIBANK for over a 7 years now, however, and out of nowhere, they have started bugging me non stop for ID verification requests by mail, online, and calls. I tried numerous times on their mobile app to submit my REAL ID California state issued driver license but the app kept rejecting it without giving me any reason why. However, they emailed me a letter many times through encrypted links that you can't read without a password and in the same time the letter has expiration date then it vanishes so to trace for it but I took a screenshot of it and I'll attach it to the complaint. 
I submitted my Real ID California DL through their encrypted links at least twice but Mr. XXXX XXXX from citibank called me many times requesting to submit another type of ID to accept it for verification purpose based on the same list that shows in the letter they kept emailing through the encrypted link. 
The only accepted list according to Mr. XXXX is : US Passport, US Birth Certificate, US Green Card, Certificate of Naturalization, Non US Passport with Visa, or NON US Passport with Work Authorization Card.

So Valid California DL is NOT accepted for them and I must submit one of ID verification from the list above OR they will block my accounts ( and they already did block them so far ) then they will cancel and close them. 
It's obvious that they are NOT looking for ID verification since I've been their customer for over a 7 years and kept rejecting my DL, rather in reality they want a verification for immigration status!
Complaint sub-issue: Debt is not mine

I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}
Complaint sub-issue: Information is not mine

i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have Aadvantage CC from Citibank for which we pay {$450.00} annually for family. I reported to them before going on international vacation. While on vacation I noticed fraudulent charges on sons credit card account in XXXX Florida, which I reported promptly while on vacation and international call ( around XX/XX/XXXX ). Upon coming back from vacation ( XX/XX/XXXX ) I called and no action or credits were given. I reported the charges again and was told to wait. No written communication was sent all along. Called again today XX/XX/XXXX and staff at Citi has no information to give and dont show the credits. They are ready to close my account but will not share any info. I am told to contact security team on weekdays. Citi has email for security team or senior mgmt to report the issue - not sure what they record in the system ... .very frustrated with them and want to report their careless attitude towards customers with fraud charges on the account which they should have caught especially when vacation was reported to them in advance.
Complaint sub-issue: Debt is not mine

I do n't know what else to do with this situation! Medical bills are arguing my credit! I pay my bills ... .. Please stop giving me bills that should be pay by my ex husband ... ... he paid all before our divorce
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX 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: Reporting company used your report improperly

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX XXXX and Equifax are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Complaint sub-issue: Deposits and withdrawals

In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX  and they did not post until after XXXX, my time in CA.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have been making payments to XXXX XXXX XXXX on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by IQ Data International. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So IQ data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.
Complaint sub-issue: Information belongs to someone else

There are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX  Account number : XXXX Amount : {$30000.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$250.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$98.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$21.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX SELF-REPORTED Account number : XXXX XXXX XXXX {$42.00} XXXX Account number : XXXX Amount : {$520.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.
Complaint sub-issue: Account information incorrect

I have addressed these accounts over XXXX years ago and was confirmed by XXXX XXXX with XXXX XXXX that this was handled and reported to all bureaus and it is still pending on my credit. I have documentation that is attached from the XXXX XXXX that states that I owe NOTHING. I have asked all credit bureaus to correct this and asked XXXX XXXX, and XXXX XXXX to report this accurately and still have not gotten this resolved. Would you please address and see that this is removed from my credit on all bureaus? I need help with this Account XXXX These accounts with XXXX XXXX, XXXX XXXX should be removed from my name. The collection company is PMAB , LLC and was informed this was inaccurate as well. 
XXXX XXXX with XXXX XXXX and XXXX her supervisor can be contacted XXXX XXXX XXXX XXXX XXXX Patient Accounting Patient Accounting Team Lead Direct Dial : XXXX XXXXXXXXXXXX Please remove this from my credit.