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

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Complaint sub-issue: Information belongs to someone else

I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX - balance is showing as {$1700.00}, account partially listed and a limit of {$4000.00} ; no account number listed ; no dates not listed,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Credit card company double charged for a product I purchased with the card. The purchase was made XX/XX/XXXX for {$640.00} and the same charge was duplicated on XX/XX/XXXX. I disputed the duplicate charge and the company continues to demand that I pay for the product twice. I contacted the company where I made the purchase and they claim they haven't been payed yet.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I disputed with a third party Lexis Nexis on a Bankruptcy that they claim was verified through their office. I sent them a letter asking to have the bankruptcy information verified. I received a letter from Lexis Nexis stating that Bankruptcy record # XXXX was verified through another third party name XXXX. 

I have a letter from the Eastern District Court Clerks office that they " the court '' does not report, validate or confirm bankruptcy case filings to credit bureaus. But yet Lexis Nexis states that they were able to validate with XXXX another third party and not the actual court who would be the original creditor. Furthermore you have failed to provide the method of verification as requires under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " Promptly DELETE all information which can not be verified. '' I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

As a large company Lexis Nexis has been allowed to bully the consumer with falsely selling information to companies like XXXX and XXXX   and they have partnered up with XXXX. Consumers rely on credit to purchase homes and to obtain anything that they may need for daily living and companies rip consumers apart with their lies. 


Your attention to this matter is greatly appreciated
Complaint sub-issue: Problem accessing account

I am trying to link my account to XXXX XXXX XXXX  and PNC Bank will not let me
Complaint sub-issue: Account information incorrect

I bought a car in XX/XX/XXXX and paid on it until XX/XX/XXXX I bought it for {$12000.00} I owed {$900.00} on the car. The bank wanted me to just pay it off I got out of the XXXX  it got totaled I had full coverage XXXX  They would not cover it because it was hit and run under Tennessee law they do not have to cover it.

The bank is reporting that I owe 90 % of the sale like I never paid them and closed the account please get a full detail of when I started paying and how long I paid on the account they won't show This because they are wrong please delete this off my credit report this reporting in accurately
Complaint sub-issue: Personal information incorrect

I filed a previous complaint against Equifax number XXXX regarding personal identification information on my consumer credit file. Equifax mailed me a letter as a stall tactic requesting proof of identity when I provided proof of identity with my previous complaint. I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax remains in violation of my federally protected consumer rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

my cr report shows a neg, that the creditor put on my acct. Unable to contact consumer, they have the correct add
Complaint sub-issue: Public record

Hello, Both XXXX AND Equifax are reporting an UNRECORDED judgment improperly and illegally! I disputed XXXX different Judgements on my Credit Reports. # XXXX & XXXX XXXX & XXXX ( this is XXXX still remaining on the XXXX report ). Equifax did not remove anything Instead they verified them and refused to remove them! I would like to file a complaint against Equifax & XXXX please see attached XXXX pages of documents there are NO Judgements against me in the record of deeds office! Equifax & XXXX are the only Credit Reporting Agency that has refused to properly investigate an account on my report of a recorded judgment. I have provided proof that there is NO judgment of record and their reporting of a case file judgment that was never completely adjudicated and recorded as a legal instrument is a clear violation of the FCRA. I reserve the right to take further action including filing appropriate complaints with the XXXX on XXXX violations and the XXXX under the penalty rules of the XXXX ( XXXX/XXXX/XXXX ) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ), New York 's consumer protection agencies, XXXX and to take civil action to recover damages. Please note that Equifax Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I have sent Equifax & XXXX a copy of this complaint.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent account and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX, XXXX and XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , NV-XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : {$850.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : Transfer/Sold Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Charged off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$25000.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit :
Complaint sub-issue: Debt is not yours

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX on XXXXehalf of Bureaus Investment Group Portfolio XXXX Llc about a debt that I was not aware of. I sent a debt validation letter requesting further Information on this debt and their right to even collect this alleged debt on XX/XX/2022. I received a letter back from XXXX XXXX XXXX XXXX on XX/XX/2022 with only billing statements and none of the information I asked for. I also sent Bureaus Investment Group Portfolio XXXX. XXXX LLC a letter requesting proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/2022. I received a response back from Bureaus Investment Group Portfolio XXXX. XXXX LLC on XX/XX/2022 back dated XX/XX/2022 with same information ( statements ) they sent to me through XXXX XXXX XXXX XXXX on XX/XX/2022. They have failed to properly validate this debt with a contract bearing my signature or original contract of such debt.Along with the other information I requested!
Complaint sub-issue: Personal information incorrect

Need address and phone number updated please. 

Address XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Phone number XXXX
Complaint sub-issue: Reporting company used your report improperly

Data Breach that is all over the news and internet. My personal information is out for anyone to see. In addition to that a prior situation is that I was not advised nor did I allow the bankruptcy information to be added to my Equifax credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA.
Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.
615 ( a ) requires the user to notify the consumer. 
Equifax has not added a line in regards to US Bankruptcy Court of Nevada dispute per section 623 ( a ) ( 3 ) Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Equifax has failed to respond satisfactory within 30 days on response letter dated XX/XX/2017.

Equifax has repeatedly verified without yielding proof of verification in response letters da

ted XX/XX/2017 & XX/XX/2017. Equifax has failed to reply to letter asking for proof
of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction.
Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Account status incorrect

Set up a payment arrangement with Citbank to bring account current fulfilled requirements of making every payment on time but company still reported account as past due/ delinquent. When arrangement was made information about credit bureau reporting while on the catch up plan was not properly disclosed to me.It is now showing that I have been past due for the first 2 months of the year when I made my payments on time.
Complaint sub-issue: Information belongs to someone else

I would like all accounts erased off my report that does not belong to me
Complaint sub-issue: Account status incorrect

I have filed numerous disputes with equifax in regarding them reporting inaccurate data on my credit file damaging my good name and they have ignored my request to fix the problem. Here are a few of my dispute that's gone unanswered XXXX dated XX/XX/21. Dispute XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Those are a few of my many disputes. I spoke to many representatives of equifax they have Launched atleast four investigations and escalated my disputes numerous times and still nothing. It's almost like equifax doesn't even have communication with the creditors and they don't verify information they are posting to your file. I have attached proof for them to correct the inaccuracies and they ignore it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I attempted to get in touch with XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. They said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. According to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Complaint sub-issue: Reinserted previously deleted info

A collection was deleted from my credit reports with   XXXX   XXXX       bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.
Complaint sub-issue: Information is not mine

I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Reporting Agencies are mandated by the FCRA but refuse to answer the question ; where is verbal permission allowed in the FCRA for companies?
Complaint sub-issue: Received bad information about your loan

Hello, I contacted fedloan servicing about reconsolidating my student loans to include newly acquired student loan debt in 2019. At that time, I was told that the number of payments that I had already contributed towards my public service student loan forgiveness program would continue to count towards the XXXX necessary payments in order to qualify for forgiveness, even if I reconsolidated and added more loans. However, I was told about two weeks ago that because I reconsolidated, the loan payments I made prior to 2019 would not longer count because of the reconsolidation. The only reason why I reconsolidated was because of that erroneous information. Now, they are telling me I'm back at square XXXX with my payments towards the Public Service Student Loan forgiveness because of that misinformation. Can anything be done so that I can have the payments I have already made and recertified count towards my XXXX payments at this point, considering that I was given wrong information. I am prepared to pursue legal action, however, my lawyer says that your organization is my first step.
Complaint sub-issue: Problem with fees

Discover Payment Protection service fees were added to my account without my consent. There is no evidence or record of me agreeing to this service that they have been charging to my account since XXXX. A total of {$890.00} of this specific Payment Protection fee has been collected by Discover from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I called today ( XXXX/XXXX/XXXX ) at XXXX PST and spoke to a representative in XXXX XXXX XXXX XXXX UT who cancelled this service per my request, but she claimed I had signed up for Payment Protection but did not provide proof of enrollment.
Complaint sub-issue: Account status incorrect

Equifax is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX. XXXX. I demand that this be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires on my credit report that I did not do.