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

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX  - XXXX XXXX  - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2019XX/XX/2019
Complaint sub-issue: Personal information incorrect

I sent Discover Financial Services a letter in XX/XX/2019 disputing the incorrect information, i.e., my name on my file. Discover Financial Services replied to a request stating that I needed to supply them proof that my name had changed. They are reporting my name as XXXX XXXX XXXX or XXXX XXXX. This has never been my name nor have I authorized such name change as, there is not supporting documentation that exists that shows this is or was name. 

Discover Financial Services can not provide proof of who initiated this name change, nor can they provide proof that this is not a fraudulent account, initiated by someone else attempting to use my name.
Complaint sub-issue: Account status incorrect

XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
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. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX  XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

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: Information belongs to someone else

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company
Complaint sub-issue: Account status incorrect

XXXX of XXXX account was setup through XXXX XXXX Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX XXXX Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Complaint sub-issue: No notice of investigation status/result

I opened a checking account with XXXX and a debit account was provided and tied to my checking account. I now discovered that XXXX has reported the year of opening the acount as XXXX. The problem I discovered in XXXX which allows me to view and challenge the Equifax as well as XXXX reports is that, while the checking account and debit account was properly closed with XXXX in XXXX prior to our relocation to XXXX in XXXX from XXXX. It contained many errors. 

The information I viewed on Equifax states that this account was a credit card which was false since I never had any credit card in XXXX. XXXX is the first State that I received my first credit card. Equifax also reports that XXXX XXXX XXXX, 4years after we have relocated to XXXX was my 1st delinquency date and reported it as a charged off account. XXXX timely correct all informed that were reporting incorrectly, however, Equifax pretended as if it was investigating the errors in my file while it was a sham investigation. I challenged Equifax on this sham investigation since the telephone number I was initially provided to XXXX by Equifax was already disconnected. After I notified Equifax of this sham investigation, I was informed that another investigation would be conducted, which now produced another confirmation # XXXX written on a correspondence sent on XXXX XXXX, XXXX. This last response again reaffirmed the already erroneous report that XXXX is reporting on the account. The number I was provided to XXXX is XXXX XXXX XXXX XXXX and it is still not in service. I went on XXXX to find a telephone number to SECU and received a mailing address and a copy of the correspondence I sent on XXXX XXXX, XXXX was sent to SECU without any response. 
This was not the only challenge in my file that Equifax is not reporting accurately on and refusing to conduct the required investigation on. I would appreciate your agency intervention on this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Billing dispute for services

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Complaint sub-issue: Information belongs to someone else

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX OF XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX  HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Avante disclosed personal/specific alleged debt specifics to a third party at telephone number ( XXXX ) XXXX, which is not any point of contact for myself
Complaint sub-issue: Received unwanted marketing or advertising

I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, XXXX continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, XXXX, none but 3 inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedesFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions. 

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 an account without my written instructions.
Complaint sub-issue: Personal information incorrect

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Old information reappears or never goes away

I paid in full BOTH of my XXXX XXXX XXXX cards, at the SAME TIME years ago. This was to close both accounts after they allowed someine else to fraudulently change my address, refused to give me access back into my account, and then tacked on late fees when I could not recieve or access my bills. I had moved to the XXXX and someone contacted them and sent my account to a random POBox! I even spoke to them on the phone after the PIF to close because they kept trying to send me small bills with " fees '' after the PIF that were " processing fees ''. These " fees '' piggy backed off of eachother and I had enough. Here I am years later and 1 card is still showing a charged off balance, not a paid in full. Now, they have placed this as an existing line of credit being utilized and is impacting my credit score! They even hit me with a " late payment '' last month. Late payment for what?! I do n't have an account! I make every payment on time, this is crazy! They also only reported it to 1 of the 3 credit reporting companies when they did this new fraudulent move.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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
Complaint sub-issue: Information belongs to someone else

On Equifax 's credit report, there is one account from XXXX  XXXX XXXX that does not belong to me. That account did not appear on my other credit reports. 

I filed two disputes to Equifax to have an account removed from my report ; however, Equifax did not fix that for me.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, XXXX, Equifax to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner
Complaint sub-issue: Didn't receive notice of right to dispute

Coachella Valley Collection Agency reported a negative reporting on my credit. Coachella Valley said they sent me a letter on XX/XX/XXXX and then file the reporting to the bureaus on XX/XX/XXXX. This is less than 30 days. In addition, I never received any notice from the company. 

The amount Coachella Valley Collection states I owes is not my responsibility and I do not owe. There is no authorization and/or contract signed by me.
Complaint sub-issue: Frequent or repeated calls

Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX I tried to make a purchase at Macy 's XXXX XXXX XXXX XXXX using my XXXX Macy 's charge account. The saleswoman checked my account and said that it was blocked because I had not used the card in 8 months. Since the card does not expire until XX/XX/XXXX, I questioned her, but she insisted that I need to re-enter all my information using their keypad to unblock the account. She said I would receive a letter in about a week with instructions. I used another credit card for the purchase. On XX/XX/XXXX I called the number on the back of my XXXX card to check on progress ( XXXX ). The gentleman who answered said that the account had never been blocked, my credit was fine, and I could use the card anytime. He had received an application filed in my name for a new account which we cancelled. I asked him to file a complaint- he said he would submit a general complaint to the store. I received a letter on XX/XX/XXXX from Macy 's informing me that they could not open a new account because of the credit freeze I had put on my accounts. I put a credit freeze on my accounts several years ago because of all the identity theft. My complaint is that the saleswoman lied to me about the status of my account and tricked me into applying for a new account.
Complaint sub-issue: Collected or attempted to collect exempt funds

I'm not sure if this is a loan I borrowed o I remember paying a bill off. I would like to see a actual Contract were the collector Brought the contract in Original Signature of mine. 

I need to see the actual contract with my signature. 
Were is the accounting of these intrest and fee 's
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX  XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Unexpected increase in interest rate

I have been a loyal customer with the U S Bank for over 50 years. Ive had both personal and corporate visa credit cards throughout the years and have consistently paid the monthly payments on time. The interest charges have always been competitive and consistent with my other banks. Although, recently the US Bank substantially increased the interest rate for no justifiable reason. I have contacted the US Bank card services to come up with a solution to this situation but unfortunately the US Bank is not willing to work with me to get the payments back to a reasonable monthly payment. As a senior citizen age XXXX on XX/XX/XXXX of this year, being on a fixed income has put my wife and I in a financial bind. I can understand an interest rate change for customers that consistently make late payments, but in no way should a rate increase be made to a long lasting customer that has made monthly payments on time for many years to current. I am asking for your help to get a resolution to our problem, as well as making sure this does not happen to any other elderly customers that are compliant with US Bank.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the Equifax data breach. I have contacted Equifax, XX/XX/XXXX, and XX/XX/XXXX. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.
Complaint sub-issue: Debt is not yours

I do not owe any money to a that goes by the name L.J. Ross Associate it appeared on my credit report. Does not belong to me so please remove it ''. thank you
Complaint sub-issue: Account information incorrect

Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with XXXX  and Equifax. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus Equifax and XXXX failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against Equifax and XXXX  because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE