Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I recently found out I was a victim of identity fraud ... My stolen information was used at a company called Acima which I've not heard of ... I lost my wallet with phone attached earlier last year and had to replace everything .. I advised Acima and they do not care and still wants me to pay.. I did some research online and found out Acima is know for allowing identity fraud, they don't have my address on file because the merchandise was not sent to me.. They never mailed me anything advising me of this account because it was not me ... They claim to have my email on file but I advised them my phone was taken as well and email was hacked.. I changed my password upon finding this out. I have been trying to have this item disputed but Acima is very unprofessional and are treating me poorly when I am a victim. Why can't they mail the bill to the address that recieve d the merchandise? Why do they not ask for picture I'd and verify? The account was opened in my name over a year ago and I'm just finding out about it.. I filed a police report and gave a copy to Acima after they asked for it and they still don't care.
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2020, I went onto Equifax 's website to dispute an address ( XXXX XXXX ) associated with an account that does not belong to me. I was notified on XX/XX/2020 that the address was deleted from my credit report. Today on XX/XX/2020, I went back on Equifax 's website and seen that the address was re-inserted. Equifax is supposed to notify me within five days of the re-insertion. Equifax has done this before numerous times and never notify me when it's re-inserted onto my credit report. Calling a debt collector to " verify '' an address is not verifying. The address is not on my XXXX  report or my XXXX  report. I will file a lawsuit if they do not comply.
Complaint sub-issue: Didn't receive notice of right to dispute

The collection company never sent me a notice that they had the account as required within five days of them receiving the alleged debt. I found out the amount by pulling my credit report two YEARS later. On XX/XX/XXXX I was seen at the emergency room of XXXX XXXX XXXX in XXXX XXXX, CA. I never received an invoice from XXXX. They turned my account over to Progressive Management Systems for collection. XXXX XXXX NEVER sent me anything, just reported my account to the three collection agencies. On XX/XX/XXXX I sent a payment for delete letter, which has been ignored.
Complaint sub-issue: Problem with personal statement of dispute

I'm trying to get my credit report for the last 3 years from Equifax and XXXX since I'm being sued by a company I've never heard of and neither company wants to give me more than 1 year reports. The suit alleges the debt occurred at least 2 years ago and I believe it is because of leaked info by one or both companies. I have 20 days left to file an answer with the courts since they gave me 21 days and I was served yesterday, this should be an easy download for them since they are so quick to report bad things but take years to resolve them
Complaint sub-issue: Old information reappears or never goes away

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXX needs to be deleted immediately.
Complaint sub-issue: Problem getting report or credit score

My XXXX XXXX auto loan is in good standing, but I 'm not receiving any credit score increase for making on-time payments
Complaint sub-issue: Problem with rewards from credit card

The account was suddenly closed for no reason and about {$5000.00} in rewards were stolen from me by citibank. The account was restored but not the rewards.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX XXXX recently sent a pre-approved Platimum VISA card to my address in the name of " Mr. XXXX XXXX ''. This is not the first time that " Mr. XXXX '' has attempted to open accounts in his name at my address. This is not a mistake. It is clearly fraudulent. But XXXX XXXX XXXX   provides no reasonable way to contact them of clear this up. To me, that is a red flag. As far as I know, Mr. XXXX has not yet been successful in opening an account in his name at my address. But I feel sure that this us part of a financial scam, and it needs to be dealt with right away. Thank you.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, Flagship Credit Acceptance sent me the attached letter stating that they " agreed to release the lien free title ( or SIF ) for the settlement amount of {$10000.00} '', which was offered from my Insurance company after my car was declared a total loss. In XX/XX/XXXX, they then reported a charge off amount of {$6300.00} to the credit bureaus. Upon realization of this, I contacted them via US mail, including the Attorney General and XXXX XXXX XXXX, disputing the charge off amount reflected on my credit report, as I have a letter clearly stating that Flagship Credit Acceptance accepted the amount paid by my Insurance company, agreeing to release the lien.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive notice of right to dispute

This is my second approach to resolving this matter with Carmax. I sent a debt verification letter and they only responded with the contract. Pursuant to 15 USC 1692g, I am to be supplied with 5 items. Carmax has failed to supply all 5 of these items. I have also informed Carmax of SEVERAL FDCPA violations. The items I sent them they have sent back with a stamp that says returned. Carmax mentions not accepting the documents as payment. I was not attempting to pay. I am demanding proper validation of this debt. None of the information that i asked for was completed. Everything was completely ignored. I am feeling like I am being bullied and taken advantage of. I am a federally protected consumer and Carmax consistently violates my consumer rights and ignores me when I envoke my rights. I have attached the documents that I have sent to them. I am the original creditor and this debt was paid for when I gave my " credit card '' number to them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.
Complaint sub-issue: Billing problem

Loan Company : CIG Financial I buy XXXX XXXX XXXX on XX/XX/XXXX {$15000.00} on XX/XX/XXXX I got XXXX and I cant work and I am not able to pay my car payment they repossession my car on XX/XX/XXXX XXXX on XXXX XXXX I called them to pay my payment to return my car unfortunately they said sold a car on XXXX XXXX in auction {$6400.00} almost {$10000.00} under the price According to the California Repossession Law : The legal owner or Bank Must give you 15 days written notice before they can sell or otherwise dispose of your vehicle. This notice must be provided within 60 days after repossession .this notice should tell you how to redeem your vehicle and should give you the name and address of the person to contact about payment. 
web Site address : XXXXl According to the law they have to wait 60 days after repossession after sell the car and THEY DIDINT and absolutely ILLEGAL also I don't receive any letter or notice from this company to inform me they want sell the car many many time I explant this company with email XXXX XXXX who responding my email and they dont want to do anything and push me to pay your payment Please help me to remove this issues from my credit reports
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and came across this account and collections that were not made or authorized by me.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, I financed a car loan through XXXX XXXX XXXX. An internal error occurred and 2 auto loans ( for the same car ) were inadvertently entered under my name when I only purchased 1 vehicle ( XXXX XXXX XXXX ). The owner, a really nice gentleman by the name of XXXX, closed out the erroneous auto loan and submitted evidence to all 3 credit bureaus to delete the duplicate tradeline. Each CB deleted the tradeline except Equifax. Each month, XXXX XXXX XXXX and myself submit to delete the duplicate auto loan trade line and Equifax refuses to properly investigate and delete, this has been an ongoing issue and falsely manipulates my credit report into reporting more debt that I actually have. It is hindering my home buying process because it appears I have 2 auto loans when I In FACT have only ONE. Each time I dispute, Equifax swears by their decision and claims the loan is factual and belongs to me. I have documents to prove that north state has deleted the account on their end so why is Equifax still reporting this account as open and not closed and deleted. This is a total discrepancy and infringement on my rights as a consumer and I want this tradeline deleted from my credit report immediately. I have attached a document from XXXX XXXX XXXX with the code DA- which means deleted account.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Complaint sub-issue: Information belongs to someone else

9 inquires on my credit was not authorized. I tried to resolve the issue with Equifax and the company, but the inquires have not been resolved properly
Complaint sub-issue: Account status incorrect

I opened a note loan account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, XXXX XXXX has repeatedly reported to Equifax that my account is 30-59 days behind. I have disputed this information directly with XXXX XXXX on more than one occasion. I have also discussed this situation with the area manager of the local XXXX XXXX office and she has verified and agreed that my account has not been late and stated this would be corrected. 
Additionally, I have disputed the same information with Equifax. Both XXXX XXXX and Equifax are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my Equifax credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX inquiry by XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX and Equifax : XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX and XX/XX/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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX XX/XX/2022 it's not possible. 

XXXX. I have included proof of Social Security paperwork in attachment.
Complaint sub-issue: Problem with statement of dispute

MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I was looking at my emails and seen a promotion to see if I pre- qualify for a Discover Credit Card. It said checking to see if you qualify will have no impact on your credit, so I filled out the information and got an alert from XXXX saying there has been a hard inquiry on my credit report. I contacted Discover and got know where. I do have a screenshot of the promotion that Discover claims is not true. I hope you can help me get this off my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX  XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.
Complaint sub-issue: Information belongs to someone else

inaccurate information reporting. please investigate and update my report.
Complaint sub-issue: Account status incorrect

Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on Equifax and XXXX.
Complaint sub-issue: Didn't receive services that were advertised

On or around XXXX I saw a lot of pre approvals on CreditKarma.com. At first I didnt pay it no attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I could refinance my car everyday I would see these offers EveryTIME I logged into to check my credit scores. So after a few months of being told I was pre approved I thought I was now in the prefect place to apply. I got so many offers through credit karma I started telling my family about vacations and investments we were going to use these pre approvals for. So I applied on or around sometime in XXXX and I got got denied for 2 credit cards and 2 personal loans. I was very confused and distraught. I was anger and I felt deceive. I was marketed for months, Credit karma told me I was pre approved and it was a lie. I was Severely stressed and had bad Migraines I became antisocial. My anxiety went from 0-100. Now Everytime I see pre approvals i get uneasy.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.
Complaint sub-issue: Problem with personal statement of dispute

Equifax was hacked. They exposed my personal information. When I filed a claim they took exception and now have hosed my personal credit score and are keeping it artificially low. Nothing I do including paying off ALL my credit card debt several months ago has increased my score with equifax to where it should be. Even as a I write this they list my score in the XXXXs whereas XXXX has reported far more accurately during this whole time and has my score over XXXX. ( I recently got two new cards so a drop was expected on my part ) but over XXXX points by equifax is beyond the pale. At one point XXXX weeks ago my scores were excellent ( over XXXX ). Complaining to equifax is just not going to do anything for me since even you must know large companies just squish people like me and dont care about us at all. They dont care how their acts cause any human to suffer instead of making some effort to help after they allowed my info to be stolen and traded on the dark web they just treated me like XXXX. Filing a law suit is just out since without access to some unrecoverable internal communication it would go no where and just cost me money I cant afford.
Complaint sub-issue: Problem getting report or credit score

On the date of XX/XX/XXXX, I made a phone conference to customer service of Equifax and they told me that I did not have any record of me because all of my credit report mixed up with my sister and my sister has same First name and Last name, but different Middle name, different social security number and different date of birth. Therefore, they asked me to fax the copy of my ID and SSN. On the next day, I faxed all of my documents to them. However, I checked with them after three weeks later ( XX/XX/XXXX ) and they told me that they did n't receive it so they asked me to fax it again and check back after 48 hours. On XXXX, I checked back with them again, they said they still did n't get it and asked me to fax again with another fax numbers. Then they asked me to check back after 48 hours again. On XX/XX/XXXX, I called them again and then they told me that they did n't receive it and ask me to fax it again. On the same day, I mailed my document with express mail. On XX/XX/XXXX, I checked back with them, they said they did n't get my fax and they also told me that they need 7-10 business days to find my mail. Equifax is the only one Credit Union that did n't have my credit report. XXXX and XXXX both had my credit report and did not mix up my report with my sister. I really wonder how Equifax solve the problem of customers because they prefer customer to fax the document to them, but they never get the information from the fax.
Complaint sub-issue: Debt resulted from identity theft

an account was opened without my permission that i dont recognize due to identity theft yet it continues to report even though i have copies of my police report id theft affidavit ftc all notarized information
Complaint sub-issue: Information belongs to someone else

Disputed accounts with Equifax been 45 days no response
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 US SM Bus AdmIn ODA Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XXXX XXXX XXXX XXXX identity, XXXX XXXX match inquired on various days, XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.