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

I have contacted Equifax multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts, as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA regarding Identity Theft. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 

XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

these are the inquiries i didnt authorize and are fraudulent on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( Account, : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Inadequate help over the phone

I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND EQUIFAX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.
Complaint sub-issue: Billing problem

On XX/XX/2022 I used XXXX to pay bank of the west on my behalf. Payment ID XXXX. XXXX sent {$1600.00} to bank of the west and they received the ach on XXXX ach trace # XXXX. I have called bank of the west multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). I gave bank of the west the trace number starting XXXX once I received it from XXXX Every time Ive called they keep saying its being sent to escalation and call back in a couple business days.Im told today XXXX that bank of the west returned the funds but they are unable to give me a date or trace number. XXXX is not showing a return of payment. XXXX has been very helpful and timely helping me research this payment. Bank of the west has not posted it to my account and cant give me the return payment info. What I am asking is that you help me with bank of the west and finding where my missing funds are and why they havent posted to my account. Thank you
Complaint sub-issue: Can't close your account

I have reason to believe that a family member is illegally forwarding my mail to an address that is not mine and is using my accounts to deposit large sums of money into my account without my knowledge. I opened an account with U.S bank back in XXXX to use for my XXXX accounts. I do not know the account number but my social security number is SSN # XXXX My name is XXXX XXXX and XXXX XXXX XXXX XXXX, FL XXXX is the address I had at the time of opening. 

I was under the impression that all accounts where closed under my social security number until I recent received correspondence from U.S Bank notifying me that they where aware that " Usps my change of address '' submitted and will update " My Accounts '' with my new address. I shocked to realized that account where still open under my name. Can you please close all accounts under my name and send every single statement for my account for the past XXXX years as soon XXXX possible. Please send all correspondence to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you
Complaint sub-issue: Can't use card to make purchases

1. Discover never approve my credit line increase, so I have to make payment on a daily basis so that I can have enough credit line. 2. Making a payment on a daily basis does trigger an eight ( 8 ) days hold, but can simply be resolved by calling my bank for verification. 3. Nonetheless, Discover had placed a XXXX hold on the account just about two ( 2 ) weeks now, and heard no news from them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem during payment process

on XX/XX/2018 I attempted to make a payment towards my commerce bank credit card but I was going to use my XXXX XXXX XXXX checking account to make the payment. I used {$10.00} from my XXXX XXXX XXXX account to go toward the commerce bank payment and for it to be taken off the XXXX  XXXX XXXX card the same day. One week later I check my account any my commerce credit account balance is really high and I click to find out why, and it was because there was {$35.00} worth of banking fees charged to my account. So I called customer service only to find out they were not willing to credit back fees because they claim I made an error at the time of payment but that was not the case as I checked my account personally online and in person and the commerce and XXXX XXXX XXXX.But commerce bank is stating that the account number was wrong but I personally checked the account numbers online and inperson with a teller. The numbers were correct but the credit bank is still disputing that they made an error and refuses to credit my account back the entire amount that I was charged and as the error was not my doing I should be refunded.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I disputed 4 inquiries on my credit file with Equifax that seems to be fraud and I never received an update or any status on this dispute.
Complaint sub-issue: Not given enough info to verify debt

I requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.
Complaint sub-issue: Debt is not yours

As a service member in the United States  XXXX  when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days.  <P/> T ermination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 )   Military persons who live in rental property are allowed to terminate leases entered into prior to a period of   XXXX   XXXX  . It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm u se, or other similar purpose, where the person leasing the property later enters  XXXX   XXXX  in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a   permanent change of duty station ( PCS ) or to  XXXX  with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent.
<P/>  In     XXXX   2013, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises.
<P/>
To this date, there is a collections account on my credit report for {$3800.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere!
I have attempted numerous times for the past 3.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service   members!
Complaint sub-issue: Debt is not yours

I just discovered today that I C Systems XXXX has placed a derogatory account on my credit report that is not mine. The debt came from a medical facility, XXXX XXXX XXXX. I have never taken a pet to that hospital for any reason or any services. By law businesses and the credit bureau are supposed to verify and validate any information they add to a consumer 's account. No one from this establishment has ever contacted me to verify If I am the person this debit belongs to. Ive recently added a fraud alert on my account due to my social number being exposed. Seems someone has compromised my personal Information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXXacct# XXXX  XXXX XXXX -acct# XXXX XXXX XXXX XXXX-acct# XXXX  Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Account terms

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.
Complaint sub-issue: Account status incorrect

The vehicle was repossessed five years ago. On my credit report showing at the balances are increasing, and that I have five years of late payments from the car was already repossessed and sold at auction.
Complaint sub-issue: Information belongs to someone else

It has been found out that you are not REMOVING files 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXXnquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXXnquiry Date XX/XX/2021
Complaint sub-issue: Account information incorrect

I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Complaint sub-issue: Debt was paid

I received a bill in my minor childs name that was placed into collections with PLUSFOUR INC. when I inquired about why I received a bill in my minors name and the fact that I dispute this since all co-pays were either paid or taken care of by free visits with my insurance and that Ive never received a previous bill I should not be in collections. The woman helping me advised that she would not send the notes that Im also disputing this only send back that it was billed in a minors name. I advised again that this is unacceptable and I also want it disputed as theres no reason for it to go back just to come back to them and then be disputed again and she still refused to add the notes that I was disputing it. 

I also advised her it is illegal to send a collections note to a minor and that if she did not send my notes that Im also disputing this that I would be filing this complaint. If they are true collectors it is their responsibility to ensure that they are not collecting on a minor or the wrong person. They did not practice due diligence and Sent a collections notice in a minors name, and Me as her parent requested that they also dispute it she continued to refuse until I became frustrated and she decided to hang up on me for using the word XXXX and raising my voice. This is unacceptable and this business needs to be looked into as I dont believe they are following laws. 

I have attached a copy of the collection notice in my XXXX-year-old daughters name she is clearly a minor shes not even close to being XXXX years old where this could be a small mistake shes XXXX  years away from being XXXX years old.