Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Problem with statement of dispute

After the investigation the same results continued with a negative report from debt buyer, XXXX XXXX, formerly XXXX XXXX XXXX, concerning cut-off procedures that the wrong credit account, XXXX XXXX XXXX XXXX also a debt buyer, formerly XXXX XXXX XXXX, engaged in in XXXX XXXX, 2015, after receiving payment that belonged to XXXX XXXX ( also XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did n't send the ACH money back to the consumer since I owed nothing on that credit account, but they transferred it belatedly to the debt buyer, XXXX XXXX, which made my account delinquent and accrued late fees and default interest fines. I received credit a few times, but the error continued. My phone calls to a sales force, and my Emails to the XXXX XXXX XXXX, and my written correspondence to XXXX XXXX XXXX went unanswered. When I could not figure out what I owed I stopped paying my credit account held by XXXX XXXX, that has no documents or a signed agreement from me. I am on XXXX, and it is against the federal and state laws for them to try to collect on the account as a debt buyer. Equifax is aiding and assisting the debt buyers, XXXX XXXX and XXXX XXXX XXXX XXXX, hence XXXX XXXX XXXX in the scam and racketeering because of the proximity to their administrative and internal controls that lead to the toxic bullying and emotional distress, and continued collection activities.
Complaint sub-issue: Debt is not mine

Received a collection letter for a {$970.00} balance of a XXXX account. I 've never had a XXXX XXXX Account.
Complaint sub-issue: Debt is not yours

Equifax continues to report fraudulent information. The chargeoffs are not mine and belong to someone else. I never gave Equifax consent to report XXXX XXXX XXXX, and XXXX XXXX on my credit report. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. Block and remove these reports as I have right to privacy as a consumer.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have been a XXXX XXXX Credit Card customer for years and have paid my bill each month with NO late payments. 

About four months ago, I had a minor problem with a charge on my bill - the charge was less than {$20.00}. However, due to the fact that ALL of XXXX XXXX consumer affairs calls are out-sourced to NON-SPEAKING English countries, an customer care person in XXXX made a mistake and cancelled my credit card. 

Each time I have been told that a replacement was sent, another XXXX XXXX overseas representative informs me that the last one lied and NO card was sent. 

Since, I have NO help nor success in getting my credit card replaced. Each time I have called, ALL of the customer care XXXX XXXX credit card representatives have been EXTREMELY unprofessional, spoken EXTREMELY nasty to me over the phone, and NONE could understand nor speak proper English due to the out-sourcing that XXXX XXXX do. 

Consequently, the XXXX XXXX customer care service is - AT BEST - LOUSY! Unfortunately, there are NO English speaking American customer service represtentatives available for XXXX XXXX customers to speak to! 

Currently, due to the slip-shoddy service I have received from XXXX XXXX in the past four months, I do not have a credit card! 

What can you and your staff to do resolve this problem? PLEASE do not out-source this problem to another over-seas NON-English speaking individual. 

ALL OF THE XXXX XXXX CUSTOMER SERVICE REPRESENTATIVES, SO FAR, HAVE BEEN EXTREMELY NASTY and UNPROFESSIONAL.
Complaint sub-issue: Information belongs to someone else

Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX  opened XX/XX/XXXX amount {$440.00} 3 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 ) DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX Funding, XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation
Complaint sub-issue: Information belongs to someone else

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX ) XXXX Balance : {$490.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, 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 a account without my written instructions
Complaint sub-issue: Problem with customer service

Citibank provides different level of service to consumers who prefer not to communicate via telephone. 

On XX/XX/XXXX, I received a voice mail from Citibank. The message was transcribed by my assistant as follows : " Hi, this message is for XXXX XXXX. My name is XXXX calling from citicards executive office regarding some feedback that we received two complaints a my typical hours when she is manager XXXX, I'm typically email to report a sorry XXXX to XXXX Eastern Time Monday through Friday. I am going to be out of the office this afternoon, and we'll try to reach you at another time. If you have time and can call me back. My phone number is XXXX. '' The same day I logged into my Citicards account online, started a chat session into which I pasted the message above and informed Citigroup that XXXX of Citicards executive office should be informed about my communication preferences since I prefer not to communicate via the telephone and would like to receive communications from Citigroup in writing ( electronic messaging system would be fine ). 

The next day, Friday XX/XX/XXXX around XXXX XXXX I received another voicemail from Citigroup that was transcribed by my assistant as follows : " Hi, this message is for XXXX. My name is XXXX calling from citicards executive office regarding feedback that's received from the cfpb rezoning about a complaint filed with that. My phone number is XXXX. Call me at your convenience. '' It seems to me that Citigroup representative with whom I chatted online on XX/XX/XXXX for more than 1 ( one ) hour, failed to inform Citigroup 's executive offices about my communication preferences.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

RE : XXXX  XXXX XXXX  # XXXX XXXX  XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Complaint sub-issue: Information belongs to someone else

I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Equifax is reporting that I filed a Bankruptcy on XX/XX/2016. I have never filed a Bankruptcy on XX/XX/2016 and I disputed it with them and they came back with a result that the information was confirmed and verified. I requested the information of who they called because they advised they called the court house to verify. Then they said well we didn't call we contacted the court via the computer system. I advise that the information is incorrect so there is no way they could have verified it. Then they proceeded to tell me they walked in to the court house and retrieved the information, so I asked again who they spoke with. Then they told me they did not have that information in their department.

I would like the bankruptcy removed from my credit report as they are reporting inaccurate information on my credit report. I allowed them the 30 days to investigate, and they did not as they just came back saying that the information was accurate. The information is NOT accurate therefore under my FTC rights, the account has to be removed from my credit report.
Complaint sub-issue: Not given enough info to verify debt

Received a call from an " Unknown '' caller, which they said was being recorded, regarding a debt that they will not verify until I provide my birth date and last XXXX digits of my social security. I said I would not provide sensitive information prior to understanding where the debt came from, as I have not received any prior notice to owing anyone anything. I asked to speak to a manager and was sent to a voice mail that did not list anyone 's name or number.
Complaint sub-issue: Was not notified of investigation status or results

I attempted to file an online dispute but XXXX  have blocked me from disputing inquires and other inaccuracies on my XXXX  online account. My only option was to mail in my dispute which I did. I received an alert today from XXXX  account via email and when I logged into my XXXX account for the result 's from my dispute was not available to me instead the message on my account stated to call customer service or check my report for updates but there's no information on the results on my credit report. I spoke to five representative and I was continuously transfer to multiple representative and even hanged up on. The representative stated they can only read the results to me but can not remove the block on my online account for me to read the results online. I was told that the information was verified but I was deny access to see the result of the investigation for myself. XXXX have blocked me from disputing online inaccuracies on some of my account online. Please assist me in getting the result 's of my dispute investigation. XXXX should be able to determine how i receive the information. Below are the case number for the disputes. Thank you Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX. 


Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX XXXX Mon - Fri : XXXX - XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following Hard Inquires are unauthorized and unverified. Per the Fair Credit Reporting Act these must be removed from the credit bureau Equifax. 

XXXX XXXX  NA Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX  XXXX  XXXX XXXX XXXX  Date : XX/XX/2021 XXXX  Date : XX/XX/2021 XXXX & XXXX XXXX  Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX Card Date : XX/XX/2021
Complaint sub-issue: Debt was result of identity theft

Today I received XXXX letters from TRS Recovery Services stating that I owe a company called XXXX XXXX {$110.00} because of a {$80.00} purchase that I made between XXXX XXXX and XXXX XXXX. I think this is a scam because it's quite a coincidence that this happened 2-3 weeks after my wallet was stolen with all of my credentials in it. With that being said, I believe it is a scam because I don't have any purchases of {$80.00} in that time frame. The purchases that i made that were {$80.00} I verified with that company that I did not owe then anything.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX XXXX XXXX On or around XX/XX/2021 became aware that XXXX, Equifax and XXXX  had taken an unjust advantage by reporting inaccurate information which directly diminishes the value of my report. I overstand that congress says " that the banking system is dependent upon credit '' and that accuracy is " measurement of value ''. Also, congress says " inaccurate credit reports directly ~impair~ the efficiency of the banking systems ''. pursuant to ( 15 USC 1681 ( a ) ( 1 ) ). Furthermore, I'm aware that the elaborate mechanisms ( XXXX, Equifax and XXXX  ) have " assumed '' a vital role in assembling and evaluating my credit and other information pursuant to ( 15 USC 1681 ( a ) ( 3 ) ). On or around XX/XX/2021 XXXX, Equifax and XXXX  took individual action to violate my " right to privacy '' by reporting chapter XXXX bankruptcy and the following accounts in my " Identity theft report '', which is a direct violation of ( 15 USC 1681. ( a ) ( 4 ) ) thats included in my attachments. XXXX, Equifax and XXXX  have also violated my rights by reporting information solely as to transactions or experiences between I ( the consumer ) and the ( person ) making the report Pursuant to ( 15 USC 1681a ( 2 ) ) - Exclusions. XXXX, Equifax and XXXX  never gave me the opportunity to direct that such information not be communicated, which is a violation of my rights pursuant to ( 15 USC 1681a ( 2 ) ( A ) ( iii ) ). Since the following transactions arise from my " credit card '' pursuant to ( section 1602 ), XXXX, Equifax and XXXX  have also been in violation of ( 15 USC 1681a ( 2 ) ( B ) ) which states " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' is to be Excluded from consumer report. However, XXXX, Equifax and XXXX  actions to investigate these transaction has failed pursuant ( 15 USC 1681a ( e ) ) which states- " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information '', which XXXX  has no proof of such doings. Also, pursuant to ( 15 USC 1681a ( e ) ) which states- " such information SHALL NOT include specific FACTUAL information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To conclude, XXXX, Equifax or XXXX  is not to Decline or Rescind my request for block of information without a senior representative certification under the penalty of perjury that I XXXX XXXX XXXX XXXX has in fact received goods and services as a result of these particular transactions.