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

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am requesting that you remove the disputed fraudulent accounts and information from my Credit File as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent accounts off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX Balance {$540.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX {$450.00}. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft within the time allowed by law, please do so.
Complaint sub-issue: Information belongs to someone else

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both  collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX ( unknown authorize user account ) 3 )  XXXX XXXX
Complaint sub-issue: Debt was paid

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR .THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. THIS IS A DUPLICATE ACCOUNT US CODE 1692e False and Misleading Representation US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )
Complaint sub-issue: Personal information incorrect

I recently read through a copy of my credit report and I saw addresses on there that are not correct. Also, I would like for you to correct the spelling of my name.
Complaint sub-issue: Information belongs to someone else

In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 PLEASE HELP ME PLEASE im XXXX now.with no help.
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 XXXXXXXX 15 U.S.SC 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
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX XXXX the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as a manager of an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely DQ, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Complaint sub-issue: Debt was paid

On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.
Complaint sub-issue: Account status incorrect

XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, XXXX, Equifax should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act these following companies has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : {$120.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive enough information to verify debt

On XX/XX/20 a " collection '' was placed on my XXXX  credit report by an anonymous company just listed as " collection '' without any information other than a phone number. 

( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ) After calling the number listed, the operator informed me the call was recorded and an attempt to collect a debt. I asked the caller to operator to verify the company information, and the original creditor, XXXX XXXX. I informed the operator I had not had an account with them in over two years, and would be disputing the debt. I informed the debt collector that I would call XXXX XXXX to dispute the charges as well. 

The debt collector attempted to gain additional information regarding my contacts, and informed me that contacting the original creditor to verify and dispute the debt was not an option as they would only 'send me back to the collector. '' I verified my address and telephone information was correct, and informed them I had never received a notice in writing, informing me of my right to verify or dispute the debt. 

I contacted XXXX XXXX to dispute the original charges, as I was not a resident at the location on the dates in question. XXXX XXXX informed me the charges, which are over 2 years old, would remain on my report despite the dispute, and incorrect dates and charges. XXXX XXXX confirmed my contact information as well, and never took steps to notify me of the debt prior to initiating collection activities. 

XXXX XXXX, and this Collection Company, are in violation of fair debt collection practices.
Complaint sub-issue: Not given enough info to verify debt

I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse
Complaint sub-issue: Debt was paid

My lease with XXXX XXXX was to end XX/XX/XXXX. I paid th rent cleaned out the Rental, they didnt send anyone out to inspection the facility until XXXX XXXX. I repeatedly attempted to collect my deposit. I finally got a call saying that they felt like there was enough ware on the house to keep the deposit. The new management then added my name to the delinquent list in XXXX of XXXX. Almost three years laters and XXXX have an entire new staff
Complaint sub-issue: Public record

I have disputed an inaccurate public record Equifax has been reporting. They report that I have a NJ state tax lein of {$11000.00}. I have never had such lein. In fact I received a state refund this year. I have been disputing this since XXXX XXXX. I sent several more disputes throughout the years with no results. I called, disputed online, sent letters. With no response. I called today and they advised that in XXXX XXXX they verified this information. When I asked how this information was verified she could not answer that question. She told me to send supporting documentation. I asked how I would get documentation if I never had a lein against me in the first place. If they verified this inaccurate information as they are required to, then this would not be on my Equifax report. I have asked for a reinvestigation since XXXX XXXX. No response from Equifax and this time still remains and preventing me from getting a mortgage and a new home for my family. This item does n't show on XXXX or XXXX. There is no state or federal lein against me. I am demanding they remove this false and in accurate item from my credit report immediately. Or I will exercise my rights. In addition to the false reporting of the state tax lein, Equifax reinserted a collection account from XXXX XXXX and XXXX for the amount of {$120.00}.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Jefferson Capital Systems , LLC acquired an overdue debt from XXXX XXXX in the name of XXXX XXXX, reflecting an outstanding balance of {$14000.00}, approximately XX/XX/XXXX. The outstanding debt is related to the purchase of a XXXX XXXX XXXX To accommodate the refund of the balance, I was given a payment of {$3000.00} as a total payment, payable in 48 monthly installments of {$62.00}. To take advantage of this special rebate plan with discount, the first payment must be made before XX/XX/XXXX. I could not make any payment since there was a reduction in my work hours to 20 hours per week at {$7.00} per hour with a salary Week of {$690.00} monthly. Unable to comply with the payment, deliver the bus as a guarantee. In addition, the bus suffered damage with the passage of Hurricane Maria and had to take a loan to XXXX to secure it. Currently Jefferson Capital System has sued me and they want me to pay the amount of {$14.00}, XXXX. This situation is affecting my health. I need you to help me since I don't have the money for a lawyer.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. Equifax, XXXX and XXXX are not doing their job and this is very upsetting as a consumer.
Complaint sub-issue: Reporting company used your report improperly

I have attached a letter from XXXX stating that the collection was paid and it was going to be deleted form all three credit bureaus and it has not been
Complaint sub-issue: Funds not received from closed account

I opened a new account with the app- Albert ( XXXX XXXX  XXXX with a referral code from a friend in order to qualify for their promotional offer of {$500.00} for completing activities ( direct deposit for 3 months and spending at least {$100.00} on the debit card each month ). I opened the account and transferred money from my XXXX account on XX/XX/2022. I received the card in the mail and activated it and used it twice. I had a direct deposit sent to me. Last week on XX/XX/XXXX, I couldn't log into the app, after even doing a password reset and I contacted support to assist me. After going back in forth in both text and email, they told me I was not in compliance with their rules and they would be shutting my account with no further information. I can not get an actual person on the phone, and through the text service they keep apologizing and then telling me to be patient. Then they follow up saying no further information can be given, after I have repeatedly asked them to confirm how my funds would be released to me. They are refusing to cooperate. I'm really upset, I did nothing out of the ordinary and I suspect they are closing the account out of overselling the promised bonus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. XXXX will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and XXXX still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX and Equifax is reporting a status a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$900.00}, XXXX  and Equifax are not reporting this account, XXXXXXXX XXXX  Account Number XXXX XXXX  is reporting an XXXX date of XX/XX/XXXX with a {$72.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$72.00} balance and Equifax is not reporting this account, XXXX XXXX XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance and Equifax is not reporting this account, XXXXXXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance and Equifax is not reporting this account . I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.