Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Dear : XXXX XXXX  XXXX XXXX XXXX and Pro Collect I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This account has been settled and closed due to negligence of a employer i would like applications and signatures request and i want to attach the Fair credit reporting act Sincerely, Your name Enclosures : Cease & Desist Letter XXXX XXXX XXXXXXXX XXXX XXXX and PRO COLLECT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attn : Collection or Customer Service XXXX Installment Account Ref No XXXX Dear RESIDENCE AT XXXX XXXX XXXX and PRO COLLECT : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C 1692, to cease and desist all further communication with me regarding the above reference debt or debts. You are herby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State Law. 
If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Texas Attorney General. 
I have decided that I do not want to work with the collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 
I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease-and-desist letter. You are also notified that should any adverse information be placed against my credit report as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. You may not contact me at my place of employment as my employer forbids such communication. 

I have been disputing this for a long time already and I have wrote them several times to take this off my credit report and I have told them this was not me who opened this account. I been disputing this since 2015 because they state i lived here. I have personally went to this apartment complex and politely have asked them for the original documents, applications and signatures and they state they do not have them. This was done when I was going through a divorce and i know that the man who I was married to did this because he knew the manager back then. And this manager is no longer apart of this apartment complex. The state I owe XXXX dollars for cleaning services and abandonment charges and broken leases. I have never lived in XXXX Texas. I have always lived in XXXX XXXX texas. This has stopped me from helping my children get apartments and cars because i cant be a co signer.
Complaint sub-issue: Public record information inaccurate

XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.
Complaint sub-issue: Their investigation did not fix an error on your report

I got a inquiry from a unknown company to show up on my credit report. I need them removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX/XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX Account # XXXX, XXXX Account # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Ref # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX Account 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 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: Problem during payment process

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart felt explanation of the facts surrounding my own financial hardship. I therefore request XXXX/XXXX to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Complaint sub-issue: Information belongs to someone else

Last XX/XX/XXXX, I contacted US BANK by faxing them a letter, a copy of my FTC ID THEFT REPORT and temporary police report. I dis this to report to US BANK the fraud charges that was applied to my account. I would like to call the attention of the CFPB to report US BANK 'S VIOLATION and call their attention to take action and delete the account from my credit file. This is what I stated on my police report and FTC report : " I am a victim of IDENTITY THEFT. I have a US BANK SECURED CREDIT CARDaccount # XXXX. Opened XX/XX/XXXX with $ XXXX limit. I made some charges on this card for approx {$1800.00}. I've made payments on this account and US Bank accepted my payment. Aer accepting the payment, they pulled/withdrew another {$1800.00} odd from my account! 
I disputed the UNAUTHORIZED TRANSACTION and they returned the money the took from me, but US BANK still gave me double balance which is now showing on my credit report. The reported balance in invalid and UNAUTHORIZED and some used my account or personal information to put those unauthorized transactions /amount balance on my account. Everything amount I owed US bank Has been paid off! Whatever amount they are reporting is unauthorized and fraudulent! ''
Complaint sub-issue: Problem using a debit or ATM card

on XX/XX/XXXX Citibank allowed the unauthorized wire transfer of XXXX from my account to a person unknown to me. This occurred because Citibank uses cell phones as a means to verify these transactions. Unfortunately, this transaction was fraudulently carried out by an individual who had obtained the sim card number for my phone and had a copy of the sim card inserted in his phone at a XXXX location. This allowed him to have full control of my phone and my service was essentially cut off. Since the banks means of authenticating the request is by sending a verification code to a cell phone, this individual was allowed to wire transfer money from my account into the account of his choosing ' The banks method of authenticating the authorization of these transactions are far too convenient and fails to adequately protect customers. 
Citibank was notified of the fraudulent activity with in about XXXX hours from the time that the unauthorized activity occurred. All of the required paper work to report the fraud was filed with Citibank on XX/XX/XXXX. I was advised by representatives that an investigation of my claim would be conducted. That was 45 days ago. I have reached out on several occasions, to inquire about the status of my complaint. I have been told the investigation is in progress and that an investigator will contact me. As of this date, no one has contacted me. At the very least I think I should be told where the investigation stands and when my money will be returned to my account. I have been unable to pay some of my bills and feel that the length of time CitiBank is taking to resolve this matter is unjust.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 

Account : VANCE & HUFFMAN LLC - Acct number : XXXX XXXX XXXX 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I submitted a complaint with the BBB and the Attorney Generals Office. This Collection Agency and Credit Bureas are volating my rights and costing me dearly.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter as well to XXXX XXXX XXXX mailed certified XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from XXXX XXXX XXXX  are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Complaint sub-issue: Was not notified of investigation status or results

I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt is not yours

Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. 
This account needs to be immediately removed from my credit reports.
Complaint sub-issue: Information belongs to someone else

I have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}
Complaint sub-issue: Account status incorrect

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My social security number was ran without my consent. I did not apply for a auto loan as i do not drive or even have a license. Please remove inquiry from my credit report!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2020, at XXXX XXXX  I received a call from a number I did not recognize. I do not answer numbers I don't recognize. Shortly after I had the following text exchange with the number who I will call XXXX ( he later revealed his name ). 

-- - XXXX  : Avail for a call? 

Me : who is this? 

XXXX  : Hey [ MY NAME ] .... this is XXXX. I just tried to call you and sent you an email Me : XXXX who? i don't know a XXXX. 

XXXX  : Look at the email, and then let 's talk!! 

Me : no thanks XXXX  : No, we haven't met ( yet ) This is about your XXXX  account XXXX : I am XXXX XXXX ... .. this is my cell, so you can reach me here anytime Me : i don't have an account with a company called XXXX. this is an incredibly unprofessional way to contact someone be it for business or personal means. do not contact me again. 

( Here I received a call from the cell number again, then a call from a second number ) XXXX : This is MOHELA. 

Me : then contact me through a verifiable company number and not a personal cellphone. the XXXX kind of business practice is this? and maybe do it during regular business hours? thanks. i'll be filing a complaint with the FTC. 
-- - I called MOHELA shortly after and asked to file a complaint about an employee who was using a personal cell to contact me. I was directed to their branch called XXXX  and the office was closed.
Complaint sub-issue: Banking errors

I called in today to get the address and telephone number and each employee that I spoke to was very rude and transferred me to the wrong department. Because they new was filing a complaint against them. I did not try to report the employee 's because they are only going to run me around and not get the correct department,
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 

The fraudulent accounts in questions are as follows Great $ Weber Account XXXX I never had any services with XXXX XXXX they are also knowingly and willingly reporting fraud on my credit even after provided them my fraud package everting enclosed with my complaint. 

I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.
Complaint sub-issue: Debt was paid

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) 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. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Complaint sub-issue: Information belongs to someone else

Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on my credit report.
Complaint sub-issue: Debt was result of identity theft

NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX  here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent over XXXX letters to XXXX and XXXX requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.
Complaint sub-issue: Information belongs to someone else

TEK Collect Inc is reporting someone else 's info on my credit. Upon reaching out to TEK collect they informed me that someone received emergency room services under my social. They provided me the person 's name but I dont have any affililation with this individual. This is a fraudulent account for which I shoudnt be held liable. Please remove this collection from my credit
Complaint sub-issue: Information belongs to someone else

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.
Complaint sub-issue: Was not notified of investigation status or results

Filing a complaint against Equifax for failing to respond to disputes/ method of validation request.      XXXX  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.These accounts should not have been on my credit report as they were not accurate/ complete information. Most of them were even missing the company 's name. There were  six  accounts/ sets of accounts listed ( please see letter  XXXX   XXXX  Received a response from Equifax which  XXXX  isted all the accounts as " We verified that this item belong s to you  XXXX  Sent a letter to Equifax requesting method  of v erification as I completely disagree with the results they stated on  XXXX  **** Waited 15 days- no response****  XXXX  Sent a letter to follow up on my " method of verification letter ''. Requested that accounts were immediately deleted due to their inability to respond within permissable time frame.     To this date,  XXXX   XXXX ,   XXXX  , I still have not received any type of response from Equifax.