Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Dear Sir or Madam : I have reported this ongoing racket and scheme designed to socio-economically control a subject and plaintiff XXXX XXXX XXXX via electronic and physical means. This scheme has been designed and perpetrated against XXXX using his unwarranted invasion of privacy and unfettered access to XXXX 's information electronically stored within servers and on the cloud in XXXX and XXXX where these racketeers constructed, engineered and deployed a sophisticated XXXX that and electronic collection and distribution of his data through XXXX  and a number of individuals from XXXX XXXX NY and other districts whom have been in charge of his socio economic control and linked to his identity. Plaintiff XXXX has discovered a scheme where his FICO score and on the three bureau credit bureaus are being manipulated and divided amongst several participants with access to XXXX whom. XXXX discovered that his Equifax credit score is being reported inaccurately on the XXXX XXXX as XXXX. When XXXX logged into his Equifax account his FICO Score was listed as XXXX. Plaintiff XXXX has filed a lawsuit XXXX to no avail as this scheme is a necessity to a number of rat hos and their law enforcement handlers. They have control of my laptops cell phones and any other method of communications and will only allow me to meet my own credit goals and access to my information as they require.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.
Complaint sub-issue: Account terms

I checked my credit report from XXXX. On the section of credit inquiries. I found there is XXXX from XXXX which I do n't recognize. On the report it says XXXX XXXX, De XXXX. I have no idea what kind of card is this, and I never ever applied any card from this unknown bank. I want this incorrect error removed from my credit inquiries in my credit report. I have included the screenshot of the hard inquires from my XXXX credit report. I have no idea what this inquire is. And the most important is, I never ever applied any card from them.
Complaint sub-issue: Problem with fees

I got the promotion from Citi about opening Preimier card and I could XXXX reward points. On the website, Citi clearly mentioned first year $ XXXX Year was waived ( also see attached image for evidence ). However, I got charged the first year annual fee immediately after activating the card. I tried to follow up with Citi but they told me i am not eligible for the waiver. I am very frustrated as it is clearly mentioned on the website. 
Please advise and refund my mischarged fee.
Complaint sub-issue: Public record information inaccurate

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Debt was paid

In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.
Complaint sub-issue: Debt was result of identity theft

I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I AM UNABLE TO OBTAIN MY FREE CREDIT REPORT FROM EXQUIFAX CREDIT BUREAU DESPITE MY NUMEROUS REQUESTS. 

PLEASE HELP ME NOW
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX  : XXXX *XXXX XXXXl Account : XXXX XXXX  XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.
Complaint sub-issue: Personal information incorrect

I've had my name and XXXX  changed since XX/XX/XXXX, and have since repeatedly contacted Equifax to change the information, but they report that I have to change it with my accounts ( with student loan agency XXXX ), which I have done already, but there has still been no changes. My first, middle, and last name were changed, and were changed with the SSA in XX/XX/XXXX. My State Driver 's License has been changed since XX/XX/XXXX. It should be noted that the name change is confidential and sealed by the courts for the purpose of my personal safety.
Complaint sub-issue: Account status incorrect

This account has been reporting on my credit report each month and the account has been closed and removed from my credit report months ago. For some reason its back on my report and they company is still reporting like account is open. Once item has been removed from credit report it cant be placed back on my report unless you send me proper documentation. I haven't received any documentation. I was in a car accident and the insurance company paid the car off and XXXX received the check and cashed it. Please remove this negative account as its in violation and can be litigated due to the violation. 

XXXX XXXX XXXX {$11000.00}
Complaint sub-issue: Reporting company used your report improperly

In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : 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 XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

This past year I had to claim bankruptcy so I went on XXXX XXXX to see what secured credit cards they suggested. I got a card with First Progress XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on XXXX XXXX I seen my score DROPPED 103 POINTS! I was so upset I logged on to First Progress XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XXXX and they ( XXXX XXXX ) referred me to you. I have my bank statements to prove First Progress is lying and taking advantage of people I low places that are trying to get their lives together and start over. First Progress XXXX is in the the business of making money off of low income people. I also believe that XXXX XXXX is responsible also, and should also be held accountable.
Complaint sub-issue: Called outside of 8am-9pm

I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax - I called, Online request and forms and handwritten certified letter in XX/XX/XXXX the letter requesting Inquiries be removed because they were not mine and all other agencies ( XXXX XXXX ) worked with me and the inquiries were removed. Equifax is not even trying and I followed all steps requested but they send generic refusals to me. There were 13 inquires to be removed and they failed to properly remove it after I did my due diligence and reporting. 

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
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I sent a certified letter to Equifax asking to validate an account ( XXXX, XXXX, XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Equifax has responded to my request by saying that these accounts have been verified. Equifax has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Equifax has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Equifax reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity was compromised and someone tried to use my personal information to request new credit and submit credit applications. It does look like the accounts were open, however, the fradulent inquiries are showing on my report. I tried to dispute it Equifax/XXXX  and they did not even investigate the issue. 

Here are the companies that I did not request credit and are fraudulent inquiries : Equifax : XXXX XXXX XXXX XXXX submitted on XX/XX/XXXX on Equifax XXXX XXXX XXXX XX/XX/XXXX on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ; Americollect in the amount of XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please provide me with the contract with my WET INK signature stating that I am legally bound to pay YOU. Please do not send me an alleged bill/statement from another company for this is considered identity theft you have recieved my information without unknowingly to me without MY knowledege or approval.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX   Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.