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

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraudulent items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them REMOVED from my credit file.Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. Below are the items that need to be deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

ISSUE No. 1 : EQUIFAX will not send me a copy of my credit report. 

I have written to Equifax ( Certified Return Receipt ) seven ( 7 ) times, since XX/XX/XXXX, to request various corrections and to request my credit report. I have provided Equifax with multiple copies of valid Identification ( i.e., copies of Driver 's License, SSN card, and current Utility bills ). 

For each request to Equifax, I received a standard letter stating " we were unable to locate a credit file in out database '' ( even though the requested corrections would be made to my online Equifax account ). The dates written are as follows : 1 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 2 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 3 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 4 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 5 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 6 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 7 ) XXXX ( U.S.P.S. Certified Mail Receipt ) ISSUE No. 2 : Equifax has completed deleted my credit history!!! 

Today, XXXX, I logged into my Equifax online account only to discover that Equifax has deleted my entire credit profile. The online Summary states, " Credit File States : No Indicator on file ; Average Account Age : 0 Year, 0 Month ; Length of Credit History : 0 Year, ) Month. '' THIS IS NOT ACCURATE!!! I have had active credit account, reporting to Equifax for greater than 20 years. 

This same report also has an outdated address, which was previously corrected in XXXX. 

I attempted to dispute this error online and Equifax would not allow the dispute. I was also not able to reach Equifax via phone due to excessively long hold times.
Complaint sub-issue: Debt was result of identity theft

This is my statement to report four offenses. Data breaches, violations of FCRA law, Identity Theft, & fraudulent addresses reporting to XXXX, & XXXX. I have taken matters into my own hands with hiring of private investigative resources that have supplied me and my legal team concrete & substantial evidence related to the Identity Theft, fraudulent addresses and compromised identity that had to be reported stolen. I filed a DS-64 report for the compromised stolen ID to prevent any damage and had new GOV issued identification issued out of an abundance of caution. Given new evidence that has been presented to me if these violations are not corrected, I'm prepared to pursue legally made pursuant to Section 615 ( f ), Section 623 ( a ) ( 2 ), 623 ( a ) ( 6 ) & Section 605B of the FCRA. Please update your records and stop reporting inaccuracies in relation to these offenses. The new evidence supplied to me by my team overwhelmingly links the fraud and proves that my information was exposed in not just 1 but multiple data breaches which have caused me massive turmoil.
Complaint sub-issue: Debt was result of identity theft

I received a letter about a debt from a CitiBank credit card, which I have never owned nor opened. It was called a XXXX Anywhere Card by Citi, and was used at a XXXX Maryland XXXX. 
The billing address I found out is a pizza place in XXXX, Va. I am quite upset that Citi allowed a card to be opened without my correct address in XXXX Va that I have been at for 6 years, and without letting me know that this card was approved. Upon calling Citi and asking what happened, they transfered me to a collection agency, XXXX XXXX XXXX , XXXX That agency immediatly strated trying to get payment, and would not listen to my explaination. When asked why I was transferred to them, they said Citi had sold them the debt. They are not pleasant and forcefully told me I was being recored and wanted payment. This is fraud.
Complaint sub-issue: Information belongs to someone else

I received a letter from Equifax requesting that I provide 2 forms of I.D . as proof of identity as well as my FTC report. For Equifax to block information under Section 605B of the Fair Credit Reporting Act, I am providing this information attached to this complaint. Just to reiterate, I am XXXX XXXX, a consumer and I am pursuing 15 U.S. Code 6802 my right to privacy. I am requesting the following information to be blocked and deleted 15 U.S. Code 1681c-2 from my credit report within four days as stated in the law : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.
Complaint sub-issue: Information belongs to someone else

I am requesting for Equifax to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to XXXX XXXX XXXX in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because Equifax refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by Equifax. Please block and remove these fraudulent accounts within four days : 1.XXXX XXXX / XXXX XXXX XXXX XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX XXXX XXXX Balance : {$3400.00} 3. XXXX XXXX XXXX XXXX Balance : {$1400.00} 4.  XXXX XXXX XXXX XXXX Balance : {$8600.00} 5.  XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have applied for multiple Credit Karma offers that were " pre-approved. '' They did hard credit pulls, hurt my XXXX XXXX, made harder for me to get a card I was actually approved for. It was false advertisement to tell me I'm approved, do a hard credit check, then deny me or offer a lesser credit card offer.
Complaint sub-issue: Account status

Equifax went and deleted some of my good credit information on or after XXXX XXXX, 2016. I had XXXX accounts that were current deleted. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All accounts on attachment are recent accounts and need to be added back to report ASAP! this is hurting my credit report by removing my good information. 

The delete the good info but the fraud XXXX XXXX account and these inquiries they refuse to remove.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

My previous company was issued a merchant cash advance by Loanme in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that Loanme is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from Loanme, and it clearly has no signature in the personal guarantee section. When disputed with Loanme, their response was that since it is allegedly an electronic signature, it won't show up on the contract.
Complaint sub-issue: Problem getting your free annual credit report

Equifax has a system of checking to see if it's really you by asking XXXX questions about what's on the report and no matter what you answer, it will say that you gave incorrect information and you can't get your report online. You have to print a form, fill it out and mail it in. Equifax does this same XXXX EVERY YEAR. I am trying to get my report to see what's on it, IF I KNEW WHAT'S ON IT I WOULDN'T NEED TO ASK EQUIFAX. All the questions EQUIFAX asks in regard to what might be on a person 's account are bogus. They've been getting away with this XXXX for YEARS! 

Besides filling out a paper application and mailing it in, they request copies of these items : Social Security card / Pay stub with Social Security number / W2 Form / Driver 's License Rental or lease agreement/house deed / Pay stub with address / Utility bill ( gas, electric, water, cable, residential telephone bills ) It's obvious that EQUIFAX resents having to supply the consumer with free information and they make it as difficult as possible to get it. Why don't the government authorities do something about this?
Complaint sub-issue: Debt is not yours

This debt was previously deputed and deleted on XX/XX/XXXX. ( Proof attached ) The company then reasserted the debt without any notice. 
The orignal lease was from XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX # XXXX XXXX. The amount being collected is for XXXX XXXX XXXX # XXXX of which I did not apply for or request to sign a lease for. When requesting validation and verification, the company sent over forged documents altering the date from te original lease and changing the apartment unit. However, in doing so they failed to realize, the date the lease was printed and signed remained at the bottom of the lease. XX/XX/XXXX shows also on the back of the altered document. You can also see where the date line is crooked and drawn through after it was altered. ( I folded the paper to show the forged date and dates from the bottom of the lease. I can send in the document if needed ) This company continues to call my phone and harrass me, even after Ive instructed them to stop calling.
Complaint sub-issue: Information belongs to someone else

There are a number of fraudulent accounts that appear on my credit report with Equifax, XXXX, and XXXX. I have filed an FTC complaint detailing all of the fraud that took place on my report. I just want this corrected. This is keeping me from getting a house and getting a car. This is not right and needs to be corrected.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2018, I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX requesting validation of debt, of which none of the aforementioned companies have complied with my request.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXXXXXX Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00}.
Complaint sub-issue: Debt is not yours

PMAB collection continues to harass me with unsolicited phone calls from spoofed numbers and mail me about a debt I do not owe. The bill is question was workers compensation claim and all bills for that claim has been satisfied by workers comp and insurer. PMAB was sent a ceist and desist XX/XX/2017 to stop. which is attached to this complaint.
Complaint sub-issue: Information belongs to someone else

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

I have reached out to Equifax, XXXX and XXXX. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. Equifax placed a legislative freeze on my account which drop my credit score more than 90 points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my Equifax XXXX and XXXX is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.
Complaint sub-issue: Reporting company used your report improperly

I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.
Complaint sub-issue: Didn't receive services that were advertised

Regarding the 2017 Equifax security breach, I was potentially affected by this breach. I have followed every step outlined by the company to sign up for their no-cost " premier '' monitoring service. Without exception, their enrollment process has been flawed and their computer resources are inadequate to compete the enrollment. As of this morning ( XX/XX/XXXX ), the company 's computer system is down due to high volume and I was told it is not expected to come back up until late tomorrow ( XX/XX/XXXX ). I have not been able to complete the enrollment process almost two weeks after I determined I was potentially affected.
Complaint sub-issue: Debt is not yours

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Complaint sub-issue: Information belongs to someone else

I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.