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

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Debt was paid

I had a secured credit card with Citicards for {$200.00}. The secured balance was used to pay off the {$200.00} credit balance. They took the secured balance, but are sending me a fraudulent bill of {$250.00}. Citi is charging {$250.00} for a balance I do not owe. I asked for itemized proof of this debt showing dates of how this balance was incurred. Citi can not provide proof of this debt. Please wipe this debt and remove from all of my credit reports. It is harming my credit profile and factoring into credit decisions that are influencing my finances.
Complaint sub-issue: Personal information incorrect

I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.
Complaint sub-issue: Account status incorrect

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX  of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Complaint sub-issue: Threatened to sue you for very old debt

I recently requested that the XXXX XXXX XXXX XXXX XXXX provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2021 and XX/XX/2021, I reached out to Equifax to inform the company the my mortgage lender was having issues pulling my Equifax report. There is no issues with XXXX and XXXX. After several conversations, they stated that my report did not have freeze, but I'm still unable to pull my report.
Complaint sub-issue: Account information incorrect

My student loan servicer, Nelnet, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.
Complaint sub-issue: Didn't receive enough information to verify debt

Collectors havent called- if they have there was no message left to return call. Received XXXX mailing, when called the number on the mailer to pay debt, there was no answer even within business hours.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX SERVICES OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting an open collection account/medical bill in the amount of {$57.00}. I disputed the account by asking for validation of the debt from the reporting agency. Instead, I received my dispute results claiming the debt was verified with no proof whatsoever. I then called the collection company to satisfy this debt. The collection agency could NOT find me in their system by name, address, or social. I then called and spoke with a supervisor at Equifax and she had no explanation as to why they falsely claimed to have verified this debt with a collection agency that has no record of me. They are purposely causing harm to my credit and credit score.
Complaint sub-issue: Reporting company used your report improperly

I seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 24 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, Equifax, and XXXX for committing identity theft. I never gave XXXX, Equifax, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, Equifax, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments
Complaint sub-issue: Debt was result of identity theft

the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into best buy trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos macy and XXXX dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter in regards to inaccurate unknown information on my credit report that was not furnished with my written consent as a consumer per 15 USC 1681b subsection C ( Fair Credit Reporting Act / FCRA ). As of now its been almost 60 days and still not heard a thing about my investigation. I feel like im being taken advantage, my disputes are being ignored, and they are violating my rights as a consumer. In 611 ( a ) of FCRA it clearly states that failure to investigate these items within 30 days is reason to remove them immediately from my credit report. Its now been almost double that time at 60 days so they should be removed immediately. Im shocked how my rights as the consumer are being violated and im being ignored when asking for fair correction, I demand these accounts be deleted asap for all the stress it has caused me.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I request Lexi Nexi to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

Lexi Nexi is ordered to remove all incorrect information documented in this report. If it is not removed within XXXX business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX 2. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX XXXX XXXX  XXXX charge off 5.XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me.

All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.
Complaint sub-issue: Information belongs to someone else

This is my 6th attempt 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 listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/2018 XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

This complaint to EQUIFAX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On my credit report, I have a inquiry from SHELL/CBNA dated XX/XX/2019. I did not authorize this inquiry. Citibank said they would remove the inquiry at the beginning of the year but it is still showing.
Complaint sub-issue: Overdrafts and overdraft fees

I have a charge for a {$130.00} overdraft fees which after speaking with 4 customer service reps, spending approximately 2 hours? and received an email each providing different versions of versions of why it was charged. Their first claim my account went negative due to 4 charges on the XXXX, however posted balances are positive after each transaction. Another agent said it was due to charges on the XXXX, XXXX, and XXXX however my posted transactions and ending balance from all of the records I can see do not show a negative amount. There were 2 charges ( {$17.00} & {$11.00} ) that occurred on the XXXX that did result in a total of - {$29.00} at the end of the day. While I am not excited about a {$34.00} transaction, I might have conceded to a total of {$68.00} in fees, except their email shows thar no fees were charged for these transactions. I shouldn't have a single charge for fees of {$130.00}. There is nothing available to me to verify any information for any dates other than the email that they sent which only referred to the transactions taking place on the XXXX with no fees assessed. Two supervisors refused to reverse any charges and I will not agree to pay fees for transactions that ( according to all of the records in their system ) did not happen. By that I mean other than the XXXX, there was sufficient funds for all transactions. Having one charge for a {$130.00} with absolutely no explanation is poor business at the very least. In my last conversation I informed the agent I would repay the negative total of {$29.00} but I am not paying a {$130.00} in fees that I can not verify and have gotten nothing but inconsistent information on.
Complaint sub-issue: Company closed your account

On XXXX XX/XX/XXXX, my checking account was frozen by the East West Bank. The reason they gave me was that I received my XXXX tax refund from IRS and they think this fund was " very suspicious ''. They asked me to provide all the confidential materials to prove that " I am eligible to receive the tax refund '', including the photo of my SSN, the tax refund forms, and my recent earning statements. I highly doubt if the East West Bank has such rights to collect confidential information from me. However, after I submitted all the materials, the East West Bank still refused to unfreeze my account. 

Meanwhile, East West Band continued to demand more materials that I do not have or never heard of, such as " letters from IRS that assigned ITIN to me 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, so I have SSN and used SSN for tax refund. I do not have " letters from IRS that assigned ITIN to me '' and the East West Bank refused to unfreeze my account for such ridiculous reason. 

Now, I am facing an extremely difficult financial situation because all my money is in this account. I would be very much appreciated for your help! Thanks a lot!
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.
Complaint sub-issue: Was not notified of investigation status or results

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable XXXX XXXX compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite XXXX XXXX compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Complaint sub-issue: Their investigation did not fix an error on your report

equifax, XXXX  and XXXX has some accounts on my credit that is not mine.
Complaint sub-issue: Reporting company used your report improperly

A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter XXXX failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. I NEVER REQUESTED ANYTHING FROM THEM AS I HAVE NEVER HEARD OF THEM BEFORE! How can I request anything for a company that I never heard of before prior to my last complaint? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
Complaint sub-issue: Debt resulted from identity theft

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.