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

I have new & updated information on XXXX. On XXXX XXXX sent me correspondence via mail stating theyve verified the information inside of my identity theft report ( see attached file ). XXXX is using a computer generated system to verify this information. XXXX stated in their correspondence that they previously completed an investigation & verified the information and are not required to reinvestigate the same item ( s ) at this time ( see attached file ). Thats completely unlawful because XXXX nor the furnishers of the information ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX provided me with the scope of the investigation. I demand to see the procedure XXXX used to determine the items in my identity theft report to be complete & accurate. As well as the permissible purpose XXXX has to furnish this report by sending me the ORIGINIAL contract/instrument bearing my signature, written Instruction from I the consumer, or a court order showing my obligation to pay the alleged debts being advertised on my consumer report. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) ( iii ) XXXX  has a duty to provide me a notice that, if requested by the consumer ( which Im requesting ), a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, INCLUDING the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. As you see, federal law states that XXXX has to provide me the full DESCRIPTION of the investigation procedure. In XXXX correspondence they only provided me the names & addresses of the furnishers but failed to provide me the actual description of how XXXX is verifying the item ( s ) in my identity theft report. XXXX stated unless I have additional information they will not look into my complaint. I have since then provided additional information along with a Federally approved Identity theft report from the FTC that regulates XXXX. 

I would like to also add that before I submitted my identity theft report EQUIFAX deleted the same item ( s ) because they couldnt verify the information. This would further XXXX willful noncompliance. Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. EQUIFAX partook in the same exact investigation with the same furnishers of information and deleted the accounts. XXXX knowingly or should have known that the accounts were indeed inaccurate & unverifiable according to the automated system.
Complaint sub-issue: Didn't receive notice of right to dispute

After looking at my credit report, I found late payments that are not accurate. Please remove these errors as it is impeding my ability to do business and grow. I address this in the past with a rep regarding the billing cycle.
Complaint sub-issue: Information belongs to someone else

I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are XXXX company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Section XXXX A states that I have the right to privacy XXXX U.S.C Section XXXX A Section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem during payment process

I am unable to reach Citibank regarding my stolen or lost Double Cash Card and to make payment. My call is being re routed and blocked. This is the second time my card has been stolen. I am concerned about the status of my account and securing a new card. I have put a feeeze on my account with experian. I have had multiple calls made to businesses such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, etc blocked and re routed as well.
Complaint sub-issue: Investigation took more than 30 days

XXXX, Equifax, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : 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

FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the below Accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 
Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I used credit karma to receive my free credit report for the first time. The site was unable to verify that I am who I say I am because I have no idea as to what the answers are to verify my report. I have never seen any of the questions before in my life because I don't have anything in my name. I believe someone has been using my identity and now I have no idea what they did to my credit report. Please help me figure this all out.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX XXXX XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.
Complaint sub-issue: Information belongs to someone else

I created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened
Complaint sub-issue: Information belongs to someone else

I have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX credit card services opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX XXXX : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I accidentally transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to cancel the pending transaction on XX/XX/2020 but the Bank employee told me that this will be handled by dispute. Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. The fake website which I had accidentally transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. Citibank is not protecting its customers from such fraudulent transactions.
Complaint sub-issue: Information belongs to someone else

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N. THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now XXXX  & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly
Complaint sub-issue: Trouble getting, activating, or registering a card

On XX/XX/XXXX I was laid off. I applied and was accepted for unemployment benefits on XX/XX/XXXX. The unemployment office then ordered me a US bank ReliaCard even though I had already had my bank fax the unemployment office my checking account info for direct deposit. On XX/XX/XXXX my card should of been mailed but I did not receive it and no I didn't accidentally throw it away. I open all my mail. Ive received 4payments as of today XX/XX/2020. With a total of {$1800.00} on the US bank card. I need my money to pay my bills. Ive tried calling US bank ReliaCard everyday for that last two weeks and Im put on hold then hung up on.Ive exasperated all options to find my card that I believe was never mailed to me to begin with. I called XXXX XXXX XXXX XXXX XXXX XXXX today and will continue to call them along with the business bureau until I get the action that is needed. Thanks for your attention to this matter in advance. XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. 

XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I received a collections notice from US Bank on XX/XX/XXXX for end of lease fees owed on a lease that was terminated in XX/XX/XXXX. The fees owed were related to local property taxes for the XX/XX/XXXX - XX/XX/XXXX tax period. The amount was pro-rated, and I checked with the Town to ensure that the tax amount was correct and payment was made by US Bank. However, I continued to receive multiple notices of collections from US Bank and was unable to reach a representative to confirm information upon receipt of the first notice ( lines busy, long hold times ). I paid the amount due, and then received three more collections notices. When I call Customer service, they acknowledge the payment made, but I continue to receive collections notices. 

Again, my lease ended XX/XX/XXXX ( and was not an early termination ). There had been no other contact prior to XX/XX/XXXX. 

Additionally, during the time of my lease with US Bank, I had at least three occasions of payments not pulled according to the automatic payment settings, and at least 2 instances of lack of notification of taxes paid, followed by late payment notifications because my auto pay was not set up to cover the tax amount. the web portal for account information never showed a payment history. I was forced to call each month for an update. When attempting to contact US Bank about this, I was told they were aware of the technical glitch and that it was being addressed.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2003, Pennsylvania Higher Education Assistance Agency ( PHEAA ) received a ( product of identity theft ) Federal Family Education Loan Program ( FFELP ) application and Master Promissory note. The Master Promissory Note states that the lender is XXXX XXXX and the guarantor is American Education Services ( PHEAA ). The educational program is XXXX XXXX College. 
This appears to be a successful scheme to defraud the borrowers. The application was NOT sent to XXXX XXXX but directly to PHEAA 's XXXX PA address. According to PHEAA, the loans were provided by American Education Services ( PHEAA ) as a private loan and were later directly consolidated by PHEAA 's private trust. Since the private student loan is NOT a Federal Student Loan and did not involve XXXX XXXX as the lender, the borrowers were not aware that the protection of a Federal Student Loan program were denied them in this process. 
PHEAA then implements fees, costs and penalties outside the Federal Student loan protections and without consent or knowledge of the borrower. 
I have requested a copy of the agreement between XXXX XXXX ( and any subsequent SEC filings for the agreement ) through the Pennsylvania XXXX office and PHEAA has denied the request. 
PHEAA then utilizes the fraudulent Federal PLUS loan Master Promissory Note to obtain Department of Education tax offsets and wage garnishments from the borrower for private loans in violation of Department of Education rules. I was told by a Department of Education Loan Analyst that this is a " handshake '' deal with PHEAA. 
The scheme is initiated by the alleged agreement between XXXX XXXX and PHEAA to defraud borrowers.
Complaint sub-issue: Debt is not yours

I received a bill from I.C. Systems in the amount of XXXX on XX/XX/2022, the account number assigned to this bill is XXXX, I do not know who this company is nor do I owe any money, the company told me there is another address on the billing but is not mine and they show a different birthdate then mine
Complaint sub-issue: Information belongs to someone else

This account has been opened fraudulently. I had no knowledge of this account. I didnt open this account.
Complaint sub-issue: Information belongs to someone else

Consumer Financial Protection Bureau : I wish to dispute any and all association with XXXX XXXX credit account tied to my credit score. At no time have I ever had an account with XXXX XXXX, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. 

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with XXXX XXXX was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a XXXX XXXX, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted XXXX XXXX dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only XXXX XXXX associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a XXXX XXXX with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the XXXX XXXX. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. XXXX is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. 

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to XXXX refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Complaint sub-issue: Right to dispute notice not received

Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states.