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

I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019, XX/XX/2019 and XX/XX/2019 PNC Bank run a credit check more than once after issuing me a secured credit card. I followed through promptly with the bank but nobody issued me a solution or try fix this.
Complaint sub-issue: Information belongs to someone else

This is in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, Equifax, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number XXXX
Complaint sub-issue: Investigation took more than 30 days

I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to Equifax, XXXX  and XXXX  requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. 

It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. 


Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Complaint sub-issue: Account information incorrect

My latest Equifax report reflects serious reporting errors that are negatively effecting my credit standing. I made multiple attempts to have this information corrected by way of sending disputes to Equifax referencing these error. Equifax continually ignores, and refuses to correct these errors in spite of the factual based evidence of their FCRA non-compliance issues. My findings on my latest report that was sent to me by Equifax has once again certified falsified information that pertains to me in their credit reporting - The account in question is a XXXX XXXX installment account beginning : XXXX and ending : XXXX. This account was reported as paid in full in XXXX of 2021, yet on one latest report published by Equifax, they report a payment for XXXX of 2021, as well as a late payment in XXXX of 2021. On the report from XX/XX/2021, this same account that was paid and closed in XXXX of 2021, Equifax reports payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is false reporting as this account does not even exist. No matter how many times I point out these inaccuracies to Equifax, they refuse to correct or remove the account from my credit file which they are bound by the FCRA to do. The 5 plus times I send these disputes to Equifax, they don't even look at them, their automated process continually violates my consumer rights, as well as publish falsified information. It is time for Equifax to hold themselves accountable for their actions as these reporting inaccuracies cause massive harm to consumers and can be remedied through costly litigation.
Complaint sub-issue: Attempted to collect wrong amount

I was told I could settle for {$360.00}, or had the option of paying {$400.00} and they would remove the collection from my credit report like it had never happened. The collection was reported as settled for less than full amount and when I called to get it corrected I was told they had no record of the extra {$40.00}. When I asked to speak to a supervisor, I was hung up on.
Complaint sub-issue: Their investigation did not fix an error on your report

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX  Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

AMERICOLLECT is listing 2 tradelines on my credit report that must be deleted immediately from my XXXX report. The tradelines have already been deleted from XXXX and XXXX but not XXXX. 
The first tradeline list nin collevtions on my credit report is for the amount of {$59.00}. This trade line states the account was opened XX/XX/XXXX and was addedd to my credit report this pass XX/XX/XXXX, which is against the rules of XXXX and the credit reporting agencies reporting it. The 2nd debt in the amount of {$68.00} I have submitted a request to verify this debt and send me the bill or statement and they refuse to validate this debt and the other debt like I requested and send me the info. I am requesting these two tradelines be deleted from my XXXX credit report immediately.
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items belong to me.
Complaint sub-issue: Information belongs to someone else

I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me
Complaint sub-issue: Information belongs to someone else

Submitted FTC report, statement and credentials for these accounts listed to be blocked and removed from my credit report. 
XXXX XXXX/ XXXX XXXX  Acct XXXX XXXX  Acct no : XXXX XXXX  Acct no:XXXX XXXX XXXX Acct no : XXXX XXXX XXXX  Acct no : XXXX XXXX  XXXX Acct no : XXXX
Complaint sub-issue: Information is missing that should be on the report

Please see the attached letters to XXXX XXXX XXXX XXXX, Equifax and XXXX. Here are the facts : 1 ) XXXX XXXX XXXX XXXX initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX my Chapter XXXX bankruptcy was XXXX along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured VISA credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at XXXX XXXX XXXX XXXX on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for XXXX XXXX XXXX XXXX. 8 ) Upon # 7, I pulled all 3 of my credit reports ( Equifax, XXXX and XXXX ). I was shocked to see that XXXX XXXX XXXX XXXX was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted Equifax, they told me I had to get XXXX XXXX XXXX XXXX to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both Equifax and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with XXXX XXXX XXXX XXXX. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to XXXX XXXX XXXX XXXX again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XX/XX/XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

this company has charged off this debt and cease the collection. this company is still telling the bureaus to report on my consumer reports. this company has far breaking my consumer right and is causing damage to my life.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX did a hard pull on my credit file without my Authorization
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022, approximately around XXXX XXXX, I was talking to the doctor at work over the phone when all of a sudden, line got disconnected, I have no signal at all. I was under a family plan through XXXX but when I asked my mom, my dad and my brother, all their phones were working except mine. My brother called XXXX to let them know the situation. After about 40 mins, my connection came back and I was able to continue using my phone. Around XXXX XXXX  when my brother asked me to send him money through XXXX however I could not access my Citi mobile app at that time, for some reasons, it's not accepting my password. Around XXXXXXXX XXXX, I received an email from Citibank stated that a wire transfer was completed amounting to XXXX usd. I reported this to Citibank immediately the next day and I reported this to the police. As I continue to review/check my phone, theres also a charge in my XXXX credit card amounting to XXXX usd. I also found out that theres XXXX usd charge in my account that was sent to someone named XXXX XXXX whos also a Citibank client. Citibank kept on closing the case for XXXX charge in my account via XXXX without reaching out to me or even asking me for additional information that they need from me.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Complaint sub-issue: Don't agree with the fees charged

My federal student loan servicer, Fedloan Servicing, is engaging in fraudulent and irresponsible behavior in handling my account and in their service with regard to my Stafford Federal Student Loans, which was taken out during XXXX school. I have been diligent in repaying my outstanding loan balances starting in residency, and have continued to repay the balances during the COVID pandemic. I have paid off all outstanding interest and down to a principal balance of XXXX in that exact dollar amount. However, in XXXX, XXXX, without any notification or explanation, my balance was mysteriously revised upward from XXXX to XXXX while the entire country 's federal student loans were on hold. There has been no documentation or explanation on the service portal/online to explain the reason for the balance change. I contacted Fedloan Servicing by phone on XX/XX/XXXX and was on hold for 1 hr and 45 minutes, spoke with representatives ID # XXXX and ID # XXXX. I was informed this is a correction sent by the Board of Education for interest not charged by XXXX XXXX, my previous servicer from XXXX to XXXX. No explanation of the charges was provided, no timeline of when they should have been charged or an itemized bill was provided. Absolutely no notification was provided by FedLoan or XXXX XXXX, and according to their agents, aside from a total charge, no other information is available. Neither party has taken responsibility for their accounting error, or provided any documentation to support these charges beyond passing on these mysterious charges to me. I have lodged a complaint with their financial board and I am reporting this as fraudulent activity and accounting error that is now being passed on to me, the consumer.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax have yet to provide me with their methods of Verification for a XXXX loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Complaint sub-issue: Was not notified of investigation status or results

I sent in my police report and my XXXX affidavit to the XXXX credit bureaus XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows UPGRADE INC XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries XXXX 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: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX,XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXXXXXX XXXX XXXX  # XXXX
Complaint sub-issue: Information belongs to someone else

I am interested in disputing all inaccuracies on my credit report with Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX  District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.