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

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX XXXX XXXX XXXX {$4800.00}
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX {$270.00}, XX/XX/XXXX {$990.00} XX/XX/XXXX {$1000.00}, These accounts are result of identity theft
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. 
Dept of Ed/ XXXX  : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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: Was not notified of investigation status or results

there are numerouis inaccurate listings on my account that need to be investigated see letter attachached
Complaint sub-issue: Funds not handled or disbursed as instructed

Inquiry XXXX I received a promotional offer to open a Citi Priority bank account and after 2 criterion had been met would receive XXXX Thank You points. I have a credit account with Citibank and the two requirements ( spending {$750.00} and setting up 2 months of autopay for a bill within 60 days ) seemed easy to meet so I decided to give it a try and move a small amount of funds to open an account. From day one there were problems -- first, my opening deposit received an error message online so I called in to make sure it wasn't processed. The customer rep told me they were sure it had not been and that I could try again. When I made a second attempt that seemed to work, I shortly after ( the next day ) received a notice from my bank that there were 2 transactions initiated. I attempted to cancel one and somehow this disrupted Citibank 's delicate and outdated system and caused my account to have a negative balance before I had even had it functioning for two days! I waited almost a week for this to be cleared up. I then changed an autopay of mine to come out of my new city account. At the end of the first month the bill came out and I had spent the {$750.00} required. I called customer service to confirm this and they told me that they could not confirm I had met the requirements but informed me that it was not as simple as setting up and auto pay " you have to add payees ''. Let me point out very strongly this was NOT what the promotional card said. It did not explain the " setting up payees '' is what is required to meet the autopay requirement. At this point I knew that Citibank would attempt not to award the Thank You points I had earned. I set up my aforementioned autopay as a " payee '' and designated that {$100.00} be paid monthly -- this setup was done WELL within the two months. If conversations are recorded then Citibank has evidence of all this via my conversations with the customer service representative. I opened an inquiry about a week ago in my local branch regarding this and received a letter from Citibank dated XX/XX/28 stating that I did not meet their very cleverly vague " bill pay '' requirements. I did meet these requirements even though I had to do my own digging and clarify the promotional card with the representative to do so. I insist on being awarded my Thank You points in entirety. I am extremely thankful I did not transfer more than a tiny amount of my funds and assets to Citibank 's care, as I see they are very dishonest. I will make sure my dealings with their " promotions '' are seen on social media and I will most definitely warn all of my acquaintances both business and otherwise of how I was scammed by Citibank.
Complaint sub-issue: Their investigation did not fix an error on your report

Dont close this complaint this is a legitimate complaint i followed the ftc process to file this complaint and you guys keep closing it with out submitting it to the credit reporting agencies. This is not coo or fair. however i am a victim of identity theft and need the following accounts removed from my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2022 IQ Data International Inc. contacted me regarding an account. 

XX/XX/2022 IQ Data Internationals sent a letter trying to collect on the debt. 

XX/XX/2022 I sent a letter via return receipt for validation of the debt requesting to stop collecting on the debt until debt is validated. 

XXXX XXXX IQ Data International Inc. reported to credit monitoring services increasing amount, which resulted in points decreased, without debt being validated.
Complaint sub-issue: Can't get other flexible options for repaying your loan

This complaint is being directed against American Education Services, XXXX XXXX XXXX XXXX, Pennsylvania XXXX -- -- Fax XXXX XXXX. The loan number is XXXX. 

In 2006, {$10000.00} was loaned to XXXX XXXX XXXX and myself, XXXX XXXX XXXX, as co-signor. Since then we have paid on this loan and are up to date and our balance after 164 payments, and 11 years of paying, is still over $ 7,000.The APR is 11.295 % and the total moneys we are slated to pay is {$39000.00}, which is four times the borrowed amount. We have been told that the government considers this a PREDITORY LOAN. 

The total we have to pay monthly is approx {$83.00}. In our advancing years this is causing a financial hardship and is straining our budget more with every passing year. 

We have already paid more than {$13000.00} on this preditory loan, and it is increasingly wreaking havok with our budget. 

We, therefore, are willing to pay {$3000.00} to completely payoff this preditory debt and receive a release from any and all further debt to AES and XXXX XXXX XXXX and it's assigns. We are willing to settle within 5 days from AES 's acceptance and we will pay you in a bank certified check. 

We hope you will approve this settlement so that we do not have to resort to litigation. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I have requested these accounts to be deleted as they aren't mine in the past but they are still on there. Please remove them.
Complaint sub-issue: Account information incorrect

3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.
Complaint sub-issue: Account status incorrect

These inquiries was delisted on my credit report after they were deleted. These inquiries are not mines. 


Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXXl Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from  XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Auto Dealer Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX I have been disputing a DISMISSED bankruptcy that is reporting on my credit report. The bureaus have never once responded out to any of my disputes or advised me if the account was verified which it legally can not be since the bankruptcy court can't verify it! I not only disputed on XX/XX/XXXX but also on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again today on XX/XX/XXXX. I have also file 2 complaints with you about them not responding and I STILL have nothing!
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX on XX/XX/21 sent a 609 letter to Equifax, XXXX, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Complaint sub-issue: Frequent or repeated calls

United Recovery. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
Complaint sub-issue: Information belongs to someone else

I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

I had calls from Optima Advocates selling the Student Loan Forgiveness and Loan Discharge. I verified my personal information to include my name, phone, email, and address. I learned the representative already had these details available. 
I was told to complete a Cease and Desist form notifying my original lenders ( XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) ) that OA would continue all future correspondence moving forward. This form was notarized on XX/XX/XXXX with signatures from both myself and my mother, XXXX XXXX ( co-signer on original loan agreements ). 
XX/XX/XXXX, I got verification of my enrollment in the PSLDP, and OA had been in contact with my previous lenders about a payment plan. XXXX XXXX, a rep, ensured me I should discontinue my payments to my original lenders. I was also told my payments would be made to XXXX XXXX ( XXXX XXXX ). 
I began making monthly payments of {$260.00} on XX/XX/XXXX. I had an email on XX/XX/XXXX from XXXX XXXX ; however, it informed me OA needed personal security questions to alter my demographics of my previous lenders accounts. I was also highly advised to stop making payments to my original lenders. She informed me it was important that my accounts be in delinquent status of at least 150+ days. I received a call from OA which I supplied my security answers, and following their advice, I no longer made payments to XXXX XXXX and/or XXXX. 
XX/XX/XXXX, I was emailed my case manager had now been reassigned to XXXX XXXX. I replied telling OA I had messages from XXXX  alerting I had become behind. It had also been reported on my credit report. The case manager replied I should ignore the debt collection attempts ( I also included attachments to my case manager who then continued to dismiss their attempts ). 
XX/XX/XXXX, XXXX asked me for a copy of my drivers license and social security card to have on file. I sent these documents via email and received confirmation of its arrival. 
XX/XX/XXXX, my case manager changed to XXXX XXXX. She gave an update reading OA sent debt validation letters to XXXX XXXX and XXXX. I was told it would take 30-45 business days and would hear a response. 
XX/XX/XXXX, I was told by XXXX XXXX , XXXX that my XXXX loan had been transferred their collections. As of XX/XX/XXXX, it is still in collection status under a new company named XXXX XXXX XXXX XXXX. 
I didnt receive updates from OA until XX/XX/XXXX. I got a voice mail with questions concerning my account. I returned the call, and again was informed my case had been given care. XX/XX/XXXX, I asked my case manager by email to speak to me about continued debt collection attempts and questions about my status with OA. I did not receive a reply until XX/XX/XXXX, which I was again left a voicemail. 
I reached out to XXXX on XX/XX/XXXX with concerns ; however, I can no longer contact a representative of Optima Advocates by email ( recipient addresses are invalid ) or phone as all lines report disconnected. As a result, my last payment to OA was on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from XXXX or Equifax regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to XXXX and XXXX requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both Equifax and XXXX. I have attached all of my documents.
Complaint sub-issue: Personal information incorrect

Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.
Complaint sub-issue: Personal information incorrect

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXs Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Account information incorrect

Purchased a new XXXX from XXXX XXXX finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XXXX XXXX, XXXX. In XX/XX/XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXX and XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
Complaint sub-issue: Information is not mine

I am a victim of identity theft when my wallet was stolen. Someone went out and bought a bunch of cars and credit cards in my name and then didnt pay for them and now my credit is messed up. XXXX and XXXX complied and removed the accounts but equifax is not removing the XXXX accounts that are not mine. I have a police report and the vin numbers for some of the cars are on there. I need these accounts removed asap as it is ruining my credit. I have spent several months on this and they are not following the FCRA 605b. The police are investigating the persons they believe did this. Their names are XXXX XXXX and XXXX.
Complaint sub-issue: Account information incorrect

I have attached two 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 inaccuracies.