Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # When Speaking to CRA Fraud Dept, Customer Service Agent advised he could not disclose any business info relating to Equifax such as location, supervisor 's name, nor agent last name which I could not understand because this was the company that has my personal information and have inefficiently allowed furnishers to report information that they did have my expressed consent to do so. 

I demand Equifax to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theftXX/XX/XXXX Please understand I can only list from the file which I received from Equifax, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. I have enclosed a copy of my Identification I am also aware of the XXXX data breach which you failed to properly disclose your company was affected which resulted in XXXX XXXX XXXX XXXX  sensitive personal information. I am aware you have been deceiving consumers about the strength of your data security program and privacy policies and are continuing to cause me XXXX  and stress. 

Identity theft claim made to the FTC see attached.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

In 2018 debt own with XXXX XXXX  NOW ITS WITH COLLECT AGENCY JEFFERSON CAPITAL SYSTEM AT XXXX ... XXXX I was going through a divorce and I had this credit with XXXX XXXX and its was a XXXX limit and now with the fee its at XXXX I contact XXXX  XXXX to inform them of my current substitution and the agent for XXXX XXXX  could not help me they had forward my account to this agency I try to explain that the card with them was that I supposed to had protect its was provide with the card in case a customer card not paid and they agency said I was told it was to late for that program and to contact the collect agency but I don't have a account with JEFFERSON Capital System.
Complaint sub-issue: Information belongs to someone else

I have attached XXXX accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Complaint sub-issue: Report improperly shared by CRC

There are XXXX unauthorized credit inquirys that I did not authorize and I would like to have them removed as soon as possiable.
Complaint sub-issue: Banking errors

An individual stole checks from my check book, forged my signature and cashed two checks for {$250.00} ( {$500.00} total ). 

I went through the US Bank Fraud claim process, and my claim was denied due to their assertion that I failed to secure my check book properly and was therefore liable. 

The forged checks were dated in XXXX but were cashed. In XXXX of the same year. The signature on the check is clearly not my own. It is clear that US Bank did not take ordinary care to ensure the checks were genuine.
Complaint sub-issue: Account status incorrect

I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN XXXX XXXX AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EQUIFAX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.
Complaint sub-issue: Debt is not yours

Equifax, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Complaint sub-issue: Account information incorrect

n accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I have sent the police report, filed disputes on XXXX XX/XX/2021 {$840.00} ACIMA XX/XX/2021 {$3400.00} XXXX  XXXX XX/XX/2021 {$800.00}
Complaint sub-issue: Account information incorrect

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ( XXXX ) secured credit card ending in : XXXX. URGENT! 

I recently had my credit pulled to get pre-qualified for a home loan, however, I was denied due to an error in your reporting of my old First Progress secured card account. 
My scores are XXXX points lower than they should be because you are reporting inaccurate data to my three credit bureaus. 

My account was paid in full when I closed my account as I no longer wished to have a secured credit card. 

The {$4.00} balance has to be an error. I haven't been successful in reaching a customer service rep as it seems to be impossible to talk to anyone at First Progress.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Company , LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize for any service.
Complaint sub-issue: Report improperly shared by CRC

I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks.
Complaint sub-issue: Debt was paid

The debt collection agency was paid via wage garnishment by the California Tax board ( because the collection agency did not properly verify proof of debt from original creditor, and did not respond within 30 days of the request of proof of debt ) so the California tax board acted on their behalf. Once the wages were garnished to completion of debt, a letter was mailed by the California Tax board stating the withdrawal of garnishment ( due to debt being fulfilled ). Two months later I received a letter in the mail from the California Tax board stating that hundreds of dollars from my tax return would be garnished due to a debt from the collection agency. Upon contacting the collection agency they admitted they made a mistake, but said it would take possibly three months to receive our refund of hundreds of dollars they wrongly took. This agency failed to verify the debt from the very beginning.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Company name : VANCE & HUFFMAN LLC Im seeing two dates of : XX/XX/2021 & XX/XX/2021 In the balance of : {$920.00} I received an alert of this collection today XX/XX/2021 & quickly disputed because this is completely fraud & unfair! 
This company has reported to collections and decreased my credit score over XXXX points! I have absolutely no idea what this is & its definitely not from me. Please help!
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX  my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX  ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 )  Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  are both reporting a balance on an account that was settled several months ago. The account is XXXX XXXX XXXX
Complaint sub-issue: Application denied

I recently applied for a shell rewards credit card which Citibank requested a copy of my credit report from XXXX I received a letter stating I was denied due too an account in default with lender or affiliate with lender, I do not have any account in default with Citibank the only card that I recall having affiliated with Citibank would be a Macys department store card which was included in my bankruptcy which was discharged XX/XX/2018 I called Macys at the time too reaffirm this account because I did not wanted included in my bankruptcy but was told just too reapply. I dont understand why I was denied for this shell rewards credit card? My XXXX credit report has no negative accounts aside from one public record of my bankruptcy.
Complaint sub-issue: Account information incorrect

CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.
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 accounts 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 accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Right to dispute notice not received

In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law.
Complaint sub-issue: Account status incorrect

There is a hard inquiry on my credit report from XX/XX/2019. While we were going to use XXXX XXXX we couldn't/did n't in the end. I don't want their hard inquiry sitting on my credit report for two years since I didn't even use their product.
Complaint sub-issue: No notice of investigation status/result

I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything
Complaint sub-issue: Reporting company used your report improperly

In sight of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears Equifax intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made a call today XX/XX/2022 as another attempt to have these errors corrected on my consumer report, but I was hung up on multiple times. 15 USC 168li ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. Equifax has failed to provide a 100 % accurate investigation for the accounts that are on my account. None of the accounts on my Equifax profile can prove I owe a debt. Equifax couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Equifax consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX 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 15 U.S. Code 6821 Congress made it clear that EQUIFAX assumed the role of a financial institution through association.

Equifax never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Equifax to furnish or create any report. I never consented to any account on my report in the first place.

Equifax has also failed to remove addresses and phone numbers that do not belong to me after Ive asked them to delete them.
Complaint sub-issue: Denied loan

I applied for a student loan refinancing, provided direct access to my bank account, provided a personal bank statement, business bank statement, personal tax forms, business tax forms, and other personal info. I called during my application process to make sure that my individual situation would be okay in being approved for the loan. I got denied for a reason that does not even apply to me " income variability ''. They falsely denied me, did a hard credit inquiry, which they won't even reverse, and lied about the application and approval process. I received terrible customer support after trying to figure out what was going on because they did not even contact me with an email or phone call to go over my documents. I believe this is a scam company that is harvesting very private information with employees who are untruthful, scammy, and rude.