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

On XX/XX/2020 I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNT ( S ) THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT AND IT'S PREVENTING ME FROM RECEIVING CREDIT ; I also Noticed fraudulent Inquires that I did not Authorize or consent to be on my consumer credit report. On XXXX XXXX I sent an 1 ) identity theft report ; 2 ) Copy of my ID ( proof of identity ) 3 ) copy of my consumer ( credit report ) ; and a 4 ) Copy of the Fair Credit Reporting act 605 B.

I also called equifax letting them know that In order for them to report something on my consumer report that they need my written consent which they did not have for none of the accounts or inquires on my consumer report pursuant to 15 usc 1681b ( a ) ( 2 ) ; I also informed them that they could not report anything factual between me and what all of those alleged creditors are saying what happened pursuant to 15 usc 1681a ( 2 ) ( A ) ( i ) ; and excluded from a credit report should be any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. After Putting Equifax on notice the accounts are still on there making them civilly liable for willful noncompliance pursuant to 15 usc 1681n and conspiring to be apart of this identity theft.
Complaint sub-issue: Account information incorrect

I was approved for deferral yet Im still showing delinquent for those months. They do not respond.
Complaint sub-issue: Account status incorrect

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Complaint sub-issue: Was not notified of investigation status or results

I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I've requested Tek Collect to validate the debt in the amount of {$280.00}. Tek Collect sends a statement of services and my patient registration information. This does not constitute validation of the debt they allege owed to Tek Collect. Tek Collect is defaming my character by reporting a derogatory collection account to my credit file. For there to be an enforceable claim all parties must consent to contract. I have never given consent to contract with Tek Collect. I have been asking Tek Collect to substantively respond to the following question : Show me your lawful authority to enforce a debt claim against me to my detriment without my consent. If they will not substantively answer, they must cease and desist and immediately remove any derogatory reporting to the credit bureaus. 
Further there is discrepancy with the date opened that is being reported. ( please see attached ). 

Further I am requesting Tek Collect Provide written confirmation this matter has been permanently resolved.
Complaint sub-issue: Debt resulted from identity theft

I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt.
Complaint sub-issue: Personal information

I have an item on my credit report that does not belong to me. It says the status is closed, sent to collection for XXXX dollars. Says customer unable to locate consumer. I 'm XXXX military and have lived at this address since 2002. Same phone number, etc.
Complaint sub-issue: Information belongs to someone else

one XXXX XXXX XXXX account has been reporting under my name, this account is not mine, does not belong to me, i have tried to dispute this with all three major credit bureaus, XXXX and XXXX have removed this inaccuracy except equifax, they are giving me a very hard time, please have this inaccuracy removed from equifax, you are my last hope appreciate
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XXXX, I sent a letter to American Education Servicers, better known as " AES '' to explain that my loan has passed the 25 years mark and that my loan should be cancelled and sent to the IRS as a cancelled debt. 
They have not shown me that they have proof of my original loan that would validate that it has been 25 years. They instead respond to my letter with a suspect copy of a document with " my signature '' and is dated XXXX. It does not have any information that is recognizably reflecting my school, current address or attendance date. 


I also just found out that all this time when I was asking for income-based repayment, all they did was keep giving forbearances instead of taking the calculating a payment for me based on my income all these years. 

In XXXX, AES also responded to my letter by just sending a " Your Payment Is Due '' statement. In XX/XX/XXXX, they denied me another forbearance and then sent another letter asking if I would want to request forbearance papers again. 

They are not honoring anything they have sent to me regarding the policies of student loan debt collection and know that my student loan should be closed out and cancelled immediately.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, ENHANCED RECOVERY COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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 the credit bureaus 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 remove these files. 


XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I recently requested copies of my credit reports from all three credit bureaus, ( XXXX, Equifax, XXXX  ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from any of the following inquiries. block and remove them. 

1. XXXX XXXX  XXXX XXXX 2. XXXX XX/XX/2021 3. XXXX XXXX XXXX  XX/XX/2021 5. XXXX XXXX XXXX 6. XXXX XX/XX/2021 7. XXXX XXXX. XXXX XX/XX/
Complaint sub-issue: Debt was paid

XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2021 Account was opened with my information while I was incarcerated. 
I have never used flex shopper Believe it could be a man named XXXX XXXX I think he stole one of my identification cards and possibly a social security card. I had a wallet come up missing about 3 years ago. Would like to press charges if it is him.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
Complaint sub-issue: Debt is not yours

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Complaint sub-issue: Debt is not yours

XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.
Complaint sub-issue: Investigation took more than 30 days

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL 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 XXXXUpon 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 XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Account status incorrect

I have pulled my report and there is an account reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on this account. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

Constant and threatening calls when I had already called and they told me that they would investigate if I did not make such purchases and cancel the bill. We are people of XXXX  and XXXX  who have never had problems with accounts and right now we have no debt. We want a quiet time. I hope you can help me since the calls are daily and up to 5 times a day any time.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to show a report in existence, but no data in it is accessible to consumer, other reporting agencies, creditors or anyone else. No security freezes, locks, or other such restrictions are in place. 

Company 's response consists solely of stated bewilderment, with no attempts to correct, in defiance of authority of CFPB and US government. 

My access to Equifax is thru XXXX, and they can not access the data needed
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$300.00}
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the Equifax data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has taken my case against XXXX and I am requesting statements from XXXX to XXXX from XXXX XXXX and XXXX XXXX. I need to have copies for my records. As this account had fraudulent balances that were never resolved by XXXX. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.
Complaint sub-issue: Information belongs to someone else

I was online at the XXXX tree website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX