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

please check the following accounts that appear in my report, without any authorization XXXX XXXX XXXX Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine.
Complaint sub-issue: Unable to open an account

I am a victim of identity theft, I am writing to dispute [ a ] fraudulent charge ( s ) on my account on Us Bank, XXXX XXXX XXXX XXXX and XXXX XXXX .I am a victim of identity theft, and I did not make charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Complaint sub-issue: Account information incorrect

I contacted XXXX  XXXX XXXX and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that XXXX XXXX XXXX was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.
Complaint sub-issue: Information belongs to someone else

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Complaint sub-issue: Information is not mine

I Would Like To File For Identity Fraud And Clear My Name. From XX/XX/XXXX-XX/XX/XXXX I Was XXXX And IN Between XX/XX/XXXX-XX/XX/XXXX Someone Was Using My Name And Social Yes For Mortgage Loans, Student Loans, And Auto Loans. I 've Never I REPEAT I 'VE NEVER FILED FOR ANY OF ABOVE.
Complaint sub-issue: Received bad information about your loan

I have Federal Student loans held by XXXX, which was supposed to be previously with XXXX XXXX. As we know, in the past, XXXX XXXX launched XXXX in XXXX, so that they may still be involved in the federal loan servicing business, while wearing a different identity. 

However, throughout the years, there have been no improvement, as we know that XXXX had gotten into a XXXX XXXX settlement agreement recently in order to settle litigation due to their unfair practices and predatory loans made out to students, including myself. 

XXXX also had a contract with the U.S. Department of Education, from which I had filled out an Inability to benefit form both to XXXX, and to the U.S. Dept. of Education in XXXX. It just so happens that when I discovered my Federal loans with Navient were transferred to ECMC, I had also gone out of my way to make sure ECMC was aware of my Inability to Benefit application, which I had sent out to them via U.S. Postal mail, via Certified mail and signature request. 

In a recent letter dated XX/XX/XXXX, ECMC had sent me a letter stating that loans made EDUCATIONAL CREDIT MANAGEMENT CORPORATION/ECMC will be assigning the loans to XXXX, who would then be servicing the loans on behalf of the Department. 
Please take note of the abusive practices of these companies. Not only are Student loan servicing companies such as XXXX XXXX chosen to create a separate identity to remain in the student loan market, it had been transferred to XXXX, and then XXXX to ECMC, and now ECMC onto XXXX, all which I havent ever authorized. 

None of these transfers hold any of my signatures or agreement in the matter. It is also interesting to observe these companies sweep These toxic issues under the rug, by looking away and pretending nothing ever happened. 

Also, XXXX had gotten me into a loan settlement offer, which I paid {$5000.00} to settle my student loans. It just so happens they made me pay this settlement offer in XXXX when they already knew they were being sued. Therefore, they also took all they could on their way out. 
I am requesting that my Federal student loans be cancelled due to the entire toxic loan and predatory lending practices I had fallen victim to, based on these companies playing games. 

I had never received a resolution or response on my inability to benefit form/application, and I made sure XXXX, the US. Dept of Education, and ECMC all had the same form, as I made sure they all received my complaint/application. I had given all parties sufficient and beyond reasonable time to ethically provide me with resolution in the matter.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Was not notified of investigation status or results

I have hand written and sent via XXXX certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX # XXXX XXXX  XXXX  # XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to manage the freeze or unfreeze my credit report with www.equifax.com. They provide a service called myEquifax.com. I have been unable to log into this service for several months. The myEquifax.com service does not allow me to log in, or allow me to reset my password. I also can not setup a new account. When I attempt to get help with the myEquifax.com service using the automated phone line, it disconnects me before I can get any help. The automated phone line asks me questions about my credit report and I answer these questions correctly, but it indicates that I did not and then hangs up. Note I had the same problem with XXXX, in order to unfreeze my credit required that I purchase an account with monthly payments in order to unfreeze my credit report. I believe the same thing is happening with Equifax. So these credit companies are not upholding their promise that consumers can manage their credit report freeze without paying them a monthly fee by " obstructing '' any path for consumers to use their free services. This seems to be a pattern of abuse for multiple credit bureaus to force me to purchase a credit monitoring service in order to view my credit report or managed a freeze on my account.
Complaint sub-issue: Debt is not yours

Hunter Warfield & original creditor XXXX XXXX continue to falsely add a debt to my credit report. I have told them several times this is not my debt. The social security number and address on their orignal documents do not match any of my personal information. The only thing that matches is my name. I told them this is not my debt and they refuse to remove. I even disputed several times with XXXX. they lied to XXXX and said they had the correct social and address which they do not. When I call to talk to them they are rude and use foul languages.
Complaint sub-issue: Their investigation did not fix an error on your report

Multiple XXXX XXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, EQUIFAX and XXXX. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.
Complaint sub-issue: Didn't receive notice of right to dispute

On or about XXXX XX/XX/XXXX when checking my XXXX credit file I found two trade lines from PlusFour Inc neither of which I had received any notification regarding ; note to date they have still failed to send an initial notification with rights to dispute. In Nevada our state medical collection laws now require a initial notice be sent 60 days via certified mail prior to any collection action being taken which they failed to do but they have also failed to meet the federal standard of sending a notice 30 days prior to enforcement. On XXXX XX/XX/XXXX I sent PlusFour a formal letter of dispute requesting XXXX. An initial notification letter as required by law, XXXX. Validation of alleged debts owed, XXXX. The trade line be deleted due to their violation of my consumer rights and a 60 day stay of execution prior to re-reporting if the debt was valid and remained outstanding at that time. The alleged debts being reported are as follows : XXXX XXXX XXXX, date of delinquency XXXX XX/XX/XXXX, Original Balance {$130.00}, Current Balance {$140.00}, last updated XXXX XX/XX/XXXX AND XXXX XXXX XXXX date of delinquency XXXX XX/XX/XXXX, Original Balance {$70.00}, Current Balance {$71.00}, last updated XXXX XX/XX/XXXX. On or about XXXX XX/XX/XXXX I received a initial validation letter for XXXX XXXX XXXX, no original delinquency date, Balance due of {$63.00}. On or about XXXX XX/XX/XXXX I received a validation document from PlusFour, the attached statement from the creditor XXXX XXXX XXXX lists a date of service XXXX XX/XX/XXXX and date of last payment XXXX XX/XX/XXXX, balance owing {$130.00}. On XXXX XX/XX/XXXX I sent a second letter to PlusFour advising the following : XXXX. The balance they are claiming is for {$63.00} while they are reporting and submitted a validation of debt with a balance of {$140.00}, XXXX. They have failed to furnish any evidence of a debt owed to XXXX XXXX and have failed to provide an initial notification letter regarding the debt. I advised that I would be pending any escalation on my part for 15 days to allow them response, as of today date PlusFour has made zero additional attempts to resolve this dispute.
Complaint sub-issue: Account status incorrect

This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XX/XX/XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, Equifax and XXXX is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since XX/XX/XXXX.
Complaint sub-issue: Billing problem

Hello, I am being called 4+ times a day until my car payment is made with XXXX XXXX XXXX. It is due on the XXXX and I am called 4+ times every day until the XXXX when I can pay the bill. I am also occurring interest every month from the XXXX to the XXXX and because Ive moved my payment date twice, they will not allow me to move the date again. Ive had the loan for almost 5 years and it has only been paid about XXXX XXXX  due to this interest Im getting added on every month. 

The calls are the most frustrating part. I also requested to not be called during the XXXX and they are still calling multiple times a day, at all hours of the day.
Complaint sub-issue: Information belongs to someone else

I have made several disputes with Equifax, and have never had issues. THey sent me a letter requesting for me to verify my identity ( which was done already when I mailed my disputes ). They are refusing to reinvestigate the bankruptcy on my credit report, which has come off XXXX as the information was incorrect. 

The latest dispute that I made on XX/XX/XXXX, shows they completed it on XX/XX/XXXX but on the dispute it shows they verified it on XX/XX/XXXX. So they did not reinvestigate the dispute and remove it. I have attached all the information as requested by Equifax as well.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis Risk Solutions violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681 ( a ) ( 4 ). Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) its clear that that a consumer has a right to privacy, but Congress never defines what privacy is because only I the consumer can define what's private to me. LexisNexis Risk Solutions going out and fishing for negative information about me is an infringement upon a consumer 's right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). Also, the Court doesn't disclose information with no " bureaus '' I included a letter from the court stating this. Next, LexisNexis Risk Solutions did not have Permissible purposes or my written instructions to furnish a consumer report using my non public information.
Complaint sub-issue: Other problem

My Costco Anywhere Visa, Citi Card was open on XX/XX/2020, with a credit limit of {$1200.00}. My balance last week was {$830.00}, and I paid {$700.00}. I discovered the weekend of XX/XX/XXXX that CITI lowered my credit limit to {$500.00}. See the explanation giving below. 
Critical Factor ( s ) Affecting Your FICO Score : Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are essential to XXXX  Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. '' I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Transaction was not authorized

This is an ongoing, recurring problem that has been addressed with Key Bank multiple times using multiple modalities including written letters, emails, verbal, in person communications, and telephone calls. 

Key Bank continually allows XXXX XXXX to make unauthorized withdrawals from my account causing the account to continually be overdrawn. This has happened so many times that I requested that the account be closed. Key Bank refuses to close the account ; therefore, this is a recurring problem that Key Bank will not stop or prevent from recurring. 

XXXX XXXX has also been contacted multiple times using multiple modalities. XXXX XXXX is not authorized to make any withdraws from any of my accounts. They were notified in writing via email and the postal mail. They were also notified verbally over the telephone and in person. 

This has to stop. It is causing undue stress. 

Key Bank is empowered to make this stop, yet, they refuse to cooperate. They continue to allow this to happen over and over. It's ridiculous. 

Numerous disputes have been filed with Key Bank to have all the charges reversed. This can not continue to happen. It has to stop.
Complaint sub-issue: Account status incorrect

I do not owe XXXX XXXX or XXXX XXXXThe apartment complex incorrectly reported a balance when they sent me money they owed me along with a letter stating my balance for rent is {$0.00}.
Complaint sub-issue: Debt was result of identity theft

LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts 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 accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 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: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.
Complaint sub-issue: Attempted to collect wrong amount

My XXXX & I moved out of XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 I receive a letter from ProCollect stating my unpaid debt is going to collections. Never received anything prior about a debt. I emailed XXXXroCollect which is an in-house collection agency for XXXX XXXX , the management company that owns XXXX XXXX XXXX XXXX questioning the debt and requesting photograph is evidence of the debt. I was emailed an invoice & photographs claiming to depict the damages which resulted in the charges. 

I disputed the charges and clarified the photographs and what they showed and never heard back from ProCollect. I have followed up 3 times since XXXX. I was told to forward all evidence to specific emails, I did so and never get a response. But they have since sent my account to collections and is now reflecting on my credit report. 

I was also emailed a copy of my lease with XXXX XXXX XXXX  which clearly show I was NOT told about the move-out cleaning instructions. 
I have since spoken to an XXXX and am disputing thee charges yet again.
Complaint sub-issue: Information belongs to someone else

My records associated with the account DISCOVER FIN SVCS XXXX  with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to XXXX XXXX XXXX  but I did not receive what I asked and these violations persist on my credit report.
Complaint sub-issue: Debt was paid

I dont use credit cards and have a 800+ credit score. I decided to get a XXXX XXXX credit card from Citi. In two weeks, the card was compromised. The account was closed down and it also closed out my membership with XXXX. I had to spend hours fixing the XXXX membership issue with new cards, etc. The credit card company failed to send a new card. Then they began calling me incessantly for {$3.00} outstanding on the credit card. This was the result of interest. I explained that the card was compromised and that I repaid the balance. I never received a card so they kept increasing the charges. I spoke with an individual in customer service who closed out the account in XXXX ( at my request ) and when I prompted them to understand if there was an outstanding balance, they advised me there was no balance. Citi then sent me another card and began INCESSANTLY calling me for an outstanding balance. I called Citi one more time and advised them I would not pay {$3.00} for their error for not closing the account properly and they threatened me to charge late payments, etc. I told them this was insane and a hassle because I wanted the account closed. I will not pay this outstanding amount. Citi is calling at least three times a day and its all just automated prompts with massive wait times. This is harassment and it needs to be resolved. AGAIN, I dont use credit cards. I am an adult with excellent credit, long term job stability and significant deposits in the bank. Now, they keep sending me emails. No one thinks in this company. Its downright pathetic.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX of XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Bank using account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Public record information inaccurate

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B