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

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY CITI CARDS/CITIBANK Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, Equifax and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
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 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: Account information incorrect

I had a credit card account with XXXX  until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
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Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$8200.00}
Complaint sub-issue: Information is not mine

There is a hard inquiry on my credit report from CBCInnovis the dud this without my permission! I do n't even know who they are can you please help me.
Complaint sub-issue: Debt was paid

I have already paid XXXX directly for this bill owed yet the collection agency - Jefferson Capital Systems is trying to bill me for the same debt. I have disputed with all three credit bureaus and this company has sent the following response and remains on my credit report : Consumer disputes this account information : Account information disputed by consumer, meets FCRA requirements Collection account Original Creditor Name XXXX XXXX Amount {$150.00} Why is the collection agency informing the credit bureaus that this debt meets FCRA requirements when I have already paid XXXX directly and this debt is not even owed?
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. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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: Their investigation did not fix an error on your report

FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Complaint sub-issue: Personal information incorrect

EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Complaint sub-issue: Old information reappears or never goes away

I have been demanding Equifax to remove XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. This has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Equifax and will no longer extend my credit until everything is resolved.
Complaint sub-issue: Information belongs to someone else

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX I C XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Complaint sub-issue: Trouble with how payments are being handled

I have a  DLPLUS  loan being serviced by FEDLoan Servicing. Account  XXXX .  <P/> I had been making payments every month until  XX/XX/XXXX .  XX/XX/XXXX should have been should have been my last payment based on billing statements received at that time. Since then I have received no billing statements until following :  XX/XX/XXXX  - Paid In Full Notification  XX/XX/XXXX  - Disclosure of Loan Repayment Terms  XX/XX/XXXX  - Month ly Bill (  statement I owed {$20000.00} plus {$1.00} interest On  XX/XX/XXXX , my son made a payment of {$200.00} from his checking account to pay his student loan ( different account ). In  XXXX  his account stated he now owed two payments. Invested cause and reason was  XXXX  used the billing payee with my account  XXXX  instead of his account  XXXX .  <P/> When we called about the  XXXX  payment we learned that it was applied to wrong account. This first call in  XXXX  we were told. It would be refunded to my son 's bank account because that was the source of the payment.  <P/> The second call was made because it had not yet been returned to his checking account and we were told that refund will take  60-90  days to process. We said why ca n't the money simply be reversed and reapplied to the correct account and we were told it can not happen that way.  <P/> We never yet saw {$200.00} come into his checking account.   I received on  XX/XX/XXXX  {$190.00} refund. I called again and asked why  1 )  I got this check and  2 )  why was n't it for the {$200.00}.  <P/> Response from  FedLoan Sevicing : Th at my account had a balance of less than {$25.00} owed and it is their practice to keep the amount owed if issue a refund. That explained why {$5.00} was reduced. I accepted that fact and gave my son the {$190.00} for his student loan payment. It seemed very irregular and opposite of what I was told, but for {$5.00} why argue more about it.  <P/> I asked why was I never sent billing statement for the {$5.00} balanced owed? I was told because my remaining balance was less than {$25.00} they do not issue monthly billing statements and they basically had written the loan off ( evident as closed in my credit report I had received before any of this started ) and I got my paid in full statement.  <P/> Very surprised to see that ten days later I get a notice saying I owed {$200.00} principal and interested.  <P/> Explanation received : FedLoan Servicing actually did reverse and reapply the loan payment on  XX/XX/XXXX . FedLoan Servicing issued me a refund for {$190.00}  (  less the {$5.00} remaining in balance on XX/XX/XXXX . And FedLoan Servicing then realized they made two different transaction trying to correct this issue which moved my originally paid in full account to be owing {$200.00} P & I.
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 {$0.00}, {$310.00}. 
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 ) -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Complaint sub-issue: Information is not mine

I recently received notice that XXXX XXXX XXXX, an entity I rented an apartment from in 2014, has submitted information to Equifax alleging that I have XXXX accounts open totaling XXXX . These accounts and their corresponding charges were never communicated with me or my roommate. I am disputing these claims with Equifax. Equifax has been entirely unhelpful in this situation. The contact information for the accusing business either does not work or the business refuses to reply or assert their charges. I contacted Equifax assuming the collections agency must have contacted them and thus I could dispute the claim with the collections agency and possibly obtain the contact information for the original business. The information Equifax provided me was erroneous and was the contact information of an auto insurance provider. If Equifax can not contact these collections agencies and they never have to assert charges or communicate with clients then how can this be considered a valid legal practice? 

I appreciate any assistance or guidance you may offer. It would seem that both Equifax and XXXX XXXX XXXX have failed to perform.
Complaint sub-issue: Trouble getting, activating, or registering a card

On XX/XX/2022, I requested a payroll card from Payactiv. They stated that it would take 7-10 business days to receive it. Over the course of a few weeks, I was sent notices that my card was on the way, that the card was delivered, and how to activate said card. 

On XX/XX/XXXX, I got a notification email that my card was returned. I called and asked why it was returned and they stated that i wasnt physically home to have it hand delivered to me, even though the emails stated to check my mailbox. 

I called the company on XX/XX/2022, to request a new card, and they stated that I would receive the card in 7-10 business days. I called in XX/XX/2022, to see why I hadnt received my card. I was told that the time to request a new card had expired and that they would have to reissue the card.

I am frustrated because I still have a temporary digital card but I am unable to retrieve funds from an atm. I had to do a transfer from the temp card, then transfer the funds via XXXX to place it into my checking account. It should not be this hard to just get a payroll card and Payactiv has made it impossible to get a straight answer or decent customer service. I do believe that they are deceptive and doing this on purpose to aggravate their customers.
Complaint sub-issue: Debt is not yours

My legal name is XXXX XXXX, I currently reside in XXXX, Georgia. I am demanding that XXXX  remove the fraudulent, inaccurate accounts listed below from my credit file. The credit agency " XXXX '' faced a global security breach, resulting in millions of consumers personal information exposed, my name, birthdate, social, and address were exposed in this breach. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this fraudulent information. It has been 30 full business days since I've contacted Jefferson Capital Systems to provide me with the legal documentation as to how any of these accounts were opened in my name, however I have yet to receive any information obtaining these accounts that were placed on my credit file.
Complaint sub-issue: Can't temporarily delay making payments

My parents took a student loan out in my name when I was a teenager. It shows up in multiple ways on my credit. All preventing me from going back to school. I am now XXXX  and just want to better my life and my childrens. I cant do that if I cant pay for school. I tried to rehabilitate and could not.
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/2016 I seen on my credit report that accounts and inquiries was deleted only to login in today and seen that it was reinstated I did n't receive any information about it being reinstated and it effected my credit score
Complaint sub-issue: Old information reappears or never goes away

I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.
Complaint sub-issue: Overdrafts and overdraft fees

My bank charged me 5 overdraft fees in 1 day, but everytime I thought I went over a little I put the money right back in from my other account but was still charged and the bank saying there is nothing they can do, now Im almost - {$200.00}
Complaint sub-issue: No notice of investigation status/result

I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )