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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) Equifax, and XXXX 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 Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Personal information incorrect

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following address and the variation on my name are not accurate. My name is  XXXX XXXX XXXX, please delete all other variations.XXXX XXXX XXXX, XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, XXXX  XXXX. I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I reached out to ECMC because XXXX stated they verified this Acct. as accurate. I spoke with XXXX XXXX, XXXX and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the XXXX what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that ECMC Remove this negative reporting from my Credit Report.
Complaint sub-issue: Debt was result of identity theft

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. EQUIFAX Account XXXX : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately 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 you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Public record information inaccurate

Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

DEPTOF EDXXXX Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.
Complaint sub-issue: Didn't receive advertised or promotional terms

Actually, numerous issues, but I'll combine them into this one complaint for now. Signed up for the Citibank XXXX XXXX XXXX credit card on XX/XX/2021 after several days seeing adds for {$50.00} reward plus {$5.00} per {$100.00} spent with new card enrollment, and made a purchase that day. The {$50.00} special award disappeared, no sign of it anywhere, and whenever I was able to get a live person, I just got a confused response as if they'd never heard of this {$50.00} bonus offer. 

Have been unsuccessful on numerous occasions getting anyone by phone or any true responses via secure email. IF their site recognizes your credentials, about 50 % rate, your secure emails requesting only general information on the whether the {$5.00} reward per {$100.00} spent was legit, and how it worked are met with refusal to put anything in writing and insistence to call them, at XXXX. This puts you into an automated system that keeps going around in circles getting your account credentials and social security number in spoken or touchtone, but never passing you to a person. 

I've requested they close the account since they obviously DO NOT honor either the {$50.00} special award, or {$5.00} per {$100.00} spent. I will NOT use Citibank nor XXXX XXXX XXXX again, and think they need to be stopped! Anyone thinking of doing business with either XXXX XXXX XXXX or Citibank needs to know they are fraudsters who DO NOT HONOR REWARDS OFFERS, and don't put terms in writing.
Complaint sub-issue: Attempted to collect wrong amount

I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Company was notified of lost card Around XX/XX/XXXX my card was lost, I made every effort to provide everything as requested and made numerous of calls and spoke to agents and answers emails regarding this lost card and provide details information as requested. 

I was ask if possible to obtain a police report regarding of lost card. 

I explained this situation happen in XXXX south america.. It was difficult due to my location. However, I tried but was not successful. 

I stay in touch and answer emails and calls on one of my last calls. 

I was advised " I don't need to worry about anything else!! '' Credit was issued new card was issued as well!! However, On around XX/XX/XXXX of XXXX. 

I was sent a email reversing everything. I call and was told that I was responsible. I ask to speak with a supervisor or businessleader the agent told me there's no body available, I wrote several times!! No one replies!! 

Upgrade, mislead me providing information about terms and conditions, hours of operation, fail to return phone calls went promise, agents have very little training on geographic or understand circumstances surrounding this situation. 

I have tried very hard to work with them ( Upgrade ) on this issue but they don't have the ability to properly assist. I asking for your organization help ( cfpb ).
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them. 
When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX MasterCard Credit Card # : XXXX is lost/stolen, and all the charges on the account are fraudulent and unauthorized charges/transactions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, Equifax and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Complaint sub-issue: Information belongs to someone else

there is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to XXXX and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?
Complaint sub-issue: Information belongs to someone else

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. Equifax removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
Complaint sub-issue: Changes in terms mid-deal or after closing

Obtained a loan from INET Inc, XXXX XXXX, XXXX XXXX Funding Supervisor Title Supervisor iNet Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX On XXXX. They were the broker for the loan and put it through to XXXX XXXX. Inet refuses to send me a copy of the original title to the trailer so I can transfer it from XXXX  to XXXX, get it registered, tagged and a lien recorded. They won't return calls, have been stating that they overnighted this document to XXXX MVA on XX/XX/XXXX and then stated again that they overnighted it again on XXXX. They continue to play games, won't return calls nor provide the legal document to close this loan.
Complaint sub-issue: Debt was paid

I received several bills in the mail regarding a XXXX late charge owed to sprint. XXXX was paid in full by my past bank XXXX in which I never authorized a final payment any how so not to sure why XXXX submitted a request for payment to my financial institution. When this all begin I attempted to pay in payments with XXXX was denied the option to do so. I then saw a submission to my bank at the time for 2134 I believe was the exact amount. I disputed with my bank advising I was not on auto pay with XXXX and has not given authorization for the final bill to come out of my bank account. XXXX attempted many times on different dates until XXXX allowed the payment to go through. XXXX placed me in debt stating that they authorized the payment as a courtesy, putting a client in debt for a non authorized charge isn't a courtesy. I called sprint and asked why was a XXXX late fee charged after they received the full payment from XXXX the online chat teammate advised they will waive the fee. Months and a year later im now getting harassed by a third party call afni which XXXX hired to collect on a XXXX late charge that should have not been on there. I need assistance with getting this matter resolved and of my credit. XXXX made a fraudulent action against me and it was not the way to treat a customer. When attempting to get the matter resolved I experienced long holds and hang ups.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX
Complaint sub-issue: Having problems with customer service

Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a balance of {$6800.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.
Complaint sub-issue: Information is missing that should be on the report

I am listed as an authorized user on an XXXX XXXX account that was opened XX/XX/2018 with a credit limit of {$5000.00}. Equifax has neglected to reflect this tradeline on my report. The owner of the card has reached out to XXXX XXXX and they have said it should be reporting to all three major credit bureaus. Equifax continues to neglect in reporting this tradeline.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX | DOB : XX/XX/1967 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. These accounts do not have any contact information payment history, this is inaccurate reporting therefor unverifiable and must be deleted from my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Collection acc.  XXXX Unverified Account Collection acc. XXXX Unverified Account XXXX Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

The company is aware of my dispute yet has not updated on my credit report that the account is disputed which is a direct violation of the FCRA. They also can not provide me verification of debt as I have requested. My social is XXXX date of birth XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

I Continue To Write To Equifax For Having Inaccurate Information On My Credit Report From XXXX. Equifax Continue To Report Inaccurate Information From XXXX. Equifax has list 4 inaccurate items on my report. XXXX continue to send me printed bill. I HAVE ANOTHER PRINTED LETTER. I continue to ask XXXX to send My " Original CONTRACT BARING MY SIGNATURE THAT I OWE THEM. XXXX CONTINUE TO SEND THE SAME PRINTED BILL. I NEEF TO SEE ORIGINAL CONTACT BARING MY SIGNATURE. THAT'S INACCURATE INFORMATION ON MY CREDIT REPORT. If XXXX AND EQUIFAX CONTINUE TO REPORT INACCURATE INFORMATION WITHOUT ORIGINAL CONTRACT I WILL TAKE LEGAL ACTIONS.