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

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,JXXXX XXXX XXXX  DOB: XXXX XXXX XXXX XXXX XXXX fl XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.
Complaint sub-issue: Debt is not yours

For a little over a year now, beginning in XXXX of 2017, XXXX XXXX has been reporting a XXXX collection to my credit for over {$2000.00}. I have attempted to dispute this account a number of times - both in writing to XXXX XXXX and via the credit bureaus as well - but XXXX XXXX continues to verify it as accurate and it remains on my reports. Despite multiple disputes and letters to the company requesting documentation, they have yet to provide any proof of the debt or charges that created it. I assert that I owe no debts to XXXX and do not know why there is an outstanding collection in my name. As XXXX XXXX refuses to send me any verification, I am still in the dark on this matter.
Complaint sub-issue: Information belongs to someone else

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} ,XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS
Complaint sub-issue: Frequent or repeated calls

Debt collection company making robocalls to random people based on just a last name match. I have a common last name! They call everyday!
Complaint sub-issue: Reinserted previously deleted info

Hard inquiries where removed from my credit report then added back on. When I called the customer service they were absolutely no help.
Complaint sub-issue: Reporting company used your report improperly

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax. I have submitted numerous disputes. Ones concerning my name, address etc have been resolved. Ones regarding revolving accounts and installment accounts don't get addressed. It's been 4 months for some of the disputes. I have a revolving account, XXXX, that is missing multiple months of history. I have another revolving that hasn't been updated since XXXX. I upgraded from a single bureau report to a 3 bureau report and the history of all my active accounts disappeared. Not from the XXXX or XXXX part of the Equifax report but the EQUIFAX part of the report. For 3 weeks. Finally I downgraded. I asked multiple times for a refund. They said no. I tried MANY times to talk to someone. I just kept getting the brushoff. There is more but that's the majority of it.
Complaint sub-issue: Reporting company used your report improperly

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX  XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX Account # XXXX ; XXXX XXXX  XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Detailed description and back-up info attached. 
I went to sign up on XXXX to watch a football game that was starting. I had problems between putting info into computer & television. Before anything else could be done they required credit card info and accepting terms & conditions ( several hours of reading in length ). I never completed requesting before it got to the fourth quarter. I did not realize I was considered signed up until the credit card statement. I cancelled immediately, but they never acknowledged. Even after XXXX efforts on computer and on the phone, I still have no email confirmation. I ask for these to be credited. 

In addition, per the info XXXX sent to CITI the credit card showed {$64.00} as the monthly payment. At that time {$64.00} and {$69.00} were their highest charges. There are also not supposed to be taxes added. The overcharge was {$110.00} when it should only have been {$64.00}. I attached several pages from their website showing {$64.00} over and over. The {$64.00} is already far higher than any other streaming service.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late payments, but has failed to accurately report those late payments. I told XXXX that the account is in accurate and does not list a date of removal. XXXX stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my XXXX credit report. XXXX fails to remove it for violation of accurate reporting. I would also like Equifax to remove this account as well because the same is happening with them too.
Complaint sub-issue: Contacted your employer

A third party " XXXX XXXX '' rep XXXX XXXX keeps calling previous employer even thought Ive asked him to stop that I do not work at that office. He called again and told the XXXX he has papers to serve me for debt collections and needed to reach me. The XXXX sent call to me and I told him again to stop calling that office he still argued and would not listen. I then called National Recovery Agency and he also said he wasnt going to tell them to stop calling the employer and wouldnt give me any information on the debt and was laughing
Complaint sub-issue: Problem with fees

I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out  a cash advance  of  XXXX  on  XXXX   XXXX   2017  and then paid  XXXX  on  XXXX   XXXX  and then  XXXX  on  XXXX   XXXX . Even though I was told on a call  to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c  ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Repeated calls at XXXX or XXXX XXXX at night. Said that I have an arrest warrant for me that if i paid the debt they would cancel the warrant.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX, i CALL ABOUT A FRAUDULENT ACCOUNT FROM XXXX XXXX. AND I'M EVEN TRIED TO CALLED XXXX XXXX ABOUT THE SITUATION AS IF XXXX AMERICANS DOESNT PAY THERE BILLS.YOU CAN EASILY LOOK AT MY CREDIT REPORT WHICH HAS OVER 50 ACCOUNTS, SOME PAYMENTS IS OVER {$2000.00} AND SOME PAYMENTS ARE LESS BUT I PAY AS HIGH AS {$20000.00}, BUT I'M NOT GON NA PAY A {$25.00} BILL, YOU CANT BE SERIOUS AND THIS LADY THAT WORKS FOR XXXX XXXX HAS DONE A FULL INVESTIGATION AND SHE STILL WONT TAKE IT OFF. BUT THE MAIN COMPANY IS EQUIFAX, BECAUSE IT IS A TOTAL OF 10 OR MORE ACCOUNTS, WHICH THE BILLS ARE {$25.00} BUT ONCE AGAIN IM PAYING OVER {$20000.00} IN BILLS MONTHLY. IT MAKES ABSOLUTELY NO SENSE.I HAVE 12 PAGES OF DOCUMENTS AND AFFIDAVITS SIGN BY NOTARIES WITH A WITNESS AND EQUIFAXREFUSE TO DISPUTE. THEY FROZEN MY CREDIT REPORT AND THEY TOLD ME THAT I TOLD THEM. SO I CALL XX/XX/XXXX AND THEY SAID OH YOU HAVE A FRAUD ALERT WHICH I DIDNT DO ALSO.. I AM REQUESTING THAT EQUIFAX TO BLOCK THE ITEMS THAT I REQUST TO BE BLOCK UNDER THE FCRA SECTION 605B. I WILL ATTACHED ALL THE DOCUMENTS TO THIS COMPLAINT.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$7600.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
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 XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I already submitted problem report XXXX. After getting a response to this that my name had been changed, I tried to access my myEquifax account under the email XXXX. I was unable to do this so I called a representative. I discovered that it is possible that this email is attached to my son 's myEquifax account. After speaking with the representative, he tried to send me a link to reset my password. At this point, I do not know who owns the XXXX. To make matters much, much, much worse, the representative sent an email that XXXX XXXX 's email has been changed to XXXX ( no problem XXXX but then sent another email that XXXX XXXX 's email has been changed to XXXX. XXXX is not owned by either of us. This is very troubling because I did not authorize any change to XXXX XXXX 's account. This is a violation of his privacy. 

I spoke to XXXX, supervisor id XXXX. She could not help me with this problem. 
At this point, you XXXX XXXX XXXX XXXX and XXXX as account logins from your system. This is the only way that I can be assured that no one can access mine or my son 's information by using these logins. 

At this point, I never want to use the myEquifax system again and want absolutely no way that anyone can access our information by using logins XXXX or XXXX. I have attached the emails that were sent to me when speaking with your representative.
Complaint sub-issue: Debt is not mine

XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status

I recently had an investigation conducted for my account with XXXX XXXX XXXX XXXX. The account says that my XXXX 2015 payment was 30 days or more late ; however, this bill was paid. This bill was not 30 days late, and this is evident in the reversal of the late charge on XXXX/XXXX/15. This is included from my online account summary.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX RABBIT XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/1973 SS XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.. The following accounts in dispute are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX VIA XXXX UNIT XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX HEAD MD XXXX. 
My current and only address are XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. PLEASE REMOVE ALL ANY ALL OTHER ADDRESSES.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE.

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

In accordance with the fair credit act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.