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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 XXXX
Complaint sub-issue: Account information incorrect

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ EQUIFAX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/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. XX/XX/XXXX, XXXX # : XXXX XXXX. XX/XX/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. XX/XX/XXXX, XXXX # : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XX/XX/XXXX), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information.

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, I sent a multiple inquiry removal to Equifax on XX/XX/2018 as well as called Equifax on 2 separate occasions XX/XX/18 and XX/XX/18 in order to dispute information, in regards to several inquiries that were reporting on my credit report. After I spoke with a representative on XX/XX/2018, she stated the inquiries would be deleted due to being unauthorized. I received notification the next business day on XX/XX/2018 that the investigation was completed ( after only 1 business day ). I again called on XX/XX/18 and was given a confirmation number. I called immediately after to check the status using the confirmation provided and was told the investigation was completed. This was within 5 minutes of the call!!! The request included 12 hard inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that ANY information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. How are they factual when I have contacted the creditors as well and they have no account. Furthermore, they have no knowledge of me doing business with them. The fact that I received a response 1 business day after 1 call, and 5 minutes of another call, one can assume that no investigation was done into the matter. Please remove these inquiries from my credit report. I have no knowledge of them, I did not sign anything, nor do I have any accounts attached to them. I'm planning to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble which is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer.

Delete the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   )
Complaint sub-issue: Reporting company used your report improperly

I am a Natural Person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. 
Time after time violating me. I Ask and demand the following accounts listed below to be remove because according to 15 USc 1681. I have right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that my personal information such as my name, address, phone number, and other sensitive information regarding alleged debt, accounts, etc are being used by several companies without my written consent or approval. One of those companies is Equifax. I have requested that Equifax stop the slander and misinformation of reporting negative Consumer transactions about the Estate of XXXX XXXX. I request the Equifax provide a signed contract agreement between XXXX XXXX XXXX Equifax which authorizes them to use the name XXXX XXXX in association with any alleged debt or consumer transaction.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX/dept of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, child support enforcement XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

My credit score keeps going down and the reason given is that theres a high ratio between balances and credit limit. This is incorrect and incomplete information because I pay my two credit card balances in full upon receipt of the monthly statement. What appears in my credit report is merely the minimum payment due, not my actual payment every month. The only thing I carry a balance on is my newly acquired auto loan. I have a zero balance on everything else. This is incomplete and incorrect information on my credit report which causes my XXXX XXXX to be erroneously lower than it should be. 
I am recently widowed and have always had a XXXX XXXX above XXXX. This is causing me a great deal of stress. Thank you in advance for your assistance in this matter. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information is not mine

Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.
Complaint sub-issue: Report shared with employer w/o consent

I received a call from dealership where my husband and I purchased our truck last XXXX. They said they noticed we have been making our payments on time and would to see us and possibly see about new options. We drove to dealership following weekend and were just going to just speak with someone. They keep trying to have us purchase a new vehicle on top of the one we already had and also told us we could just purchase a new vehicle and let the one we have go back. I specifically said we were not interested in a new truck and stated that several times while I was there. While I was there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had already stated I did not give them permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the up coming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because It was n't directly through them, that I would have to speak with the dealership. I called the dealership and spoke to the guy who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake. XXXX Equifax said they could send in a statement explaining that it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Complaint sub-issue: Don't agree with the fees charged

In XXXX I was misinformed and signed up for XXXX XXXX XXXX XXXX XXXX student debt consolidation program. It costs $ XXXXmonth for XXXX to continuously update my information to the federal student aid program. When nothing changed regarding my student loan information, I inquired at XXXX I learned that XXXX was a scam that the gov provided for free. I called XXXX to cancel my " membership '' XXXX of XXXX, where I was informed " If you choose to waive this valuable protection program and all of the benefits available, you may cancel at any time by sending your written request to our office via certified mail, return receipt requested. Please send all requests for cancellation to ... '' To which I did. Billing continued, unbeknownst to me, into XXXX. When I realized auto-pay was continuing, I called XXXX to find out they had not received my letter. I sent another. In XX/XX/XXXX I was looking into my finances, and discovered that I was still being billed. I called again, still no letter received, so I sent a third, as well as called my bank and had that auto pay blocked as a scam. Today, XX/XX/XXXX I received 5 separate phone calls from " XXXX from XXXX XXXX XXXX. '' All from a " restricted '' number, regarding student health information, and asking me to call back at XXXX, but no actual information. I called the number to get a vague menu of options. When I finally answered another call from XXXX I learned that I have a back log of payments from ... XXXX. I can send in another letter, but I need to pay 8 mo because there's no record of my letter of cancellation. Asked for the address once more, this time I XXXX it. The business address is for " XXXX XXXX XXXX '' in XXXX FL. Amid the search for the company, I found this as an option. I have attached a pdf showing emails showing the auto-pay receipts. There are several gaps in payment, each beginning with a date that I cancelled my account. You can also note the reply to email in the body of the receipt changes.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my credit reports that does not belong to me.
Complaint sub-issue: Threatened arrest/jail if do not pay

NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained a copy of my report and the report disclosed several dismissed bankruptcy cases that are not mine. I filed a dispute with Equifax and the cases were returned as verified. I contacted Equifax today and were told that the information was verified with the bankruptcy court directly. I contacted the court directly and they confirmed that they DO NOT verify case filing information for credit reporting agencies. Equifax has failed to verify the information directly with the furnisher of the information as is required by the regulation.
Complaint sub-issue: Account status incorrect

XX/XX/2019 I received an letter from the XXXX XXXX XXXX of XXXX stating the XXXX XXXX XXXX remove the accounts that's showing up on my credit report. I then sent a copy of the letter to Equafax Credit Bureau XX/XX/2019 along with a copy of my I'd and ss #. They removed the account and they know have put the account back onto my Equafax report. I wish for them to remove this account again and permanently keep it off my credit report. Thank you
Complaint sub-issue: Card was charged for something you did not purchase with the card

To whom this may concern. 
I was away from New York for the month of XXXX. I received my monthly bank statement from Citibank and noticed 3 fraudulent charges on my account. All of these were from XXXX XXXX, I did not make these purchases. I immediately called Citibank and they canceled and re-issued me a new card. I registered my complaint and they assured me that this would be looked into and I would get my money back. 2 weeks later I got a rejection letter from Citibank holding me responsible for the full amount. They were unwilling to reconsider and all I was left to do was to send a written response to challenge this verdict. I immediately called XXXX and found out the purchase numbers for these transactions. You will be interested in my findings. I also made a police report and they are also investigating this matter. 

I have included all my information and investigation including the police report in the pdf included in the email. Please review the pdf. All pertinent documents are within this file. Please help me to resolve this matter.
Complaint sub-issue: Information belongs to someone else

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXXXXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown XXXX. Missouri Department of Chld Support
Complaint sub-issue: Didn't receive notice of right to dispute

I.C. System INC is reporting negative information to the credit bureaus regarding a Utility Account that does not belong to me. I have not received written communication regarding the debt. I have not received telephone communication regarding the debt. I just happened to check my credit reports and noticed the derogatory information being reported. I have not had an AEP, or any Utility account for that matter, in my name in over 7 years. They are reporting a debt in the amount of {$120.00} from XX/XX/2021. This account is being reported in error and has seriously damaged my credit scores and report ratings. The negligence of I.C System INC is unacceptable and they must take full responsibility for their mistake and delete the account from all credit reporting agencies immediately.
Complaint sub-issue: Information belongs to someone else

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2019, I mailed a certified Cease and Desist Letter to RAS LAVRAR Law Offices in connection with credit card charges identity theft. ( See exhibit 1 attachment below ) However, RAS LAVRAR Law Offices did not honor the letter and mailed a second collections letter out to me on XX/XX/2019. ( See exhibit 2 attachment below ) Therefore, I am demanding {$1000.00} in statutory damages within 10 days for violating Code Section 805 of the Fair Debt Collection Practices Act and Title 15 U.S. Code Section 1692k ( See exhibit 3 attachment below ) Furthermore, this has caused me significance stress and embarrassment
Complaint sub-issue: Their investigation did not fix an error on your report

A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.
Complaint sub-issue: Debt was result of identity theft

Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. 
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. 
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . 
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. 
Now, years later they are sending me collection notices, without any proof of my i.d . 
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. 
Between myself and the authorities, we quelled 38 such credit applications. 
Now this one has appeared.
Complaint sub-issue: Talked to a third-party about your debt

I have no acknowledge of this account and I was a victim of Identity theft. Please take this off my record this really getting ridiculous. I have tried to reach out to the this company numerous of times no ANS
Complaint sub-issue: Deposits and withdrawals

Credit karma hasy account locked and won't unlock it I been calling them since Friday XX/XX/20XXXX XXXX XXXX XXXX to resolve this issue and still calling them as we speak. To no avail that they say they can't unlock my account. Different representative gave me different time frames of XXXX XXXX to 10 days I dealt with the account locked before it didn't take that long to resolve. I need my money to payy bills that currently getting charged for late fees and to feed my family. I just want to be able to access my money and withdrawal it and close this account
Complaint sub-issue: Debt was result of identity theft

Company reported a debt to the credit bureau. This debt is not mine. I have notified the company and filed a dispute with the credit bureau. I have no idea what this debt is or who is responsible. Amount is {$1000.00}. Date open says XX/XX/2018 on my credit report.
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 right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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.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 reports by more then seven years.