Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

Enclosed upload will show the one & only contact with this company. 
contact violates 15 USC 1692g of FDCPA. 
XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, on the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. 
Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.
Complaint sub-issue: Problem with fees

I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.
Complaint sub-issue: Account information incorrect

Us Bank reported to the credit bureau that I made no payments on my account from XX/XX/2020 thru XX/XX/2020. This information is not correct as I have made ALL of my payments from XX/XX/2020 thru XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

remove it : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX {$710.00} Balance updated XXXX XXXX, XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : XXXX XXXX Balance on XXXX XXXX XXXXXXXX Original balance {$710.00} {$710.00} Payment Info Original balance {$710.00} Balance {$710.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Affected by natural or declared disaster Your statements - Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX XXXX Balance on XXXX XXXX XXXX Original balance {$110.00} {$110.00} Payment Info Original balance {$110.00} Balance {$110.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXXXXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed invalidated accounts on my consumer report with and the investigation did not fix any of the errors nor was I provided any proof of these alleged debts.
Complaint sub-issue: Other problem getting your report or credit score

Received fraud alert on multiple identity theft monitoring services. Contacted Equifax to try and place a fraud alert and dispute incorrect data in my credit report.and was directed to XXXX website to set up an account to perform the actions listed above. After setting up the account my login credentials that I had just created never worked. I contacted Equifax for support with the problem but they seemed to have no solution other than to reset the password which never worked or to wait anywhere from 30 minutes to 2 weeks and then try again. I asked to escalate the problem with several managers who said they did escalate the problem only to find out on subsequent calls that the problem was never escalated. After a week of being unable to place the fraud alert online I had to place an additional call to Equifax to manually place the fraud alert. I tried to dispute the data manually but was told I couldn't do that. I then called back to the ( XXXX support line and asked to speak to supervisors ( XXXX, XXXX, XXXX, XXXX and XXXX ) all of which disconnected the call with me ( phone went to the company survey prior to hanging up ) at the 30 to 45 minute points in the phone calls. I still have no resolution to the problem, no real time access to my Equifax credit report data and no way to dispute the incorrect data in my credit report. I've spent at least 3 hours on the phone with Equifax with no indication that access to my data will ever be possible. Every time I called into Equifax I was required to provide most of my personnel data to representatives further exposing myself to identity theft by Equifax employees/contractors. I filed a Better Business Bureau complaint against Equifax on XX/XX/ 2020 ( Complaint ID # : XXXX ) and below is the standard answer that Equifax submits every 30 days : Please accept our apology for any inconvenience or frustration this situation has caused. We have referred your concerns to our technical department for review and handling. You will be informed of the results upon completion of their review, however please allow up to 30 days to receive a response.
Complaint sub-issue: Reporting company used your report improperly

i sent an Affidavit of truth to XXXX, EQUIFAX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH
Complaint sub-issue: Information belongs to someone else

accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeCollection Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Its neen 3 months and Citibank has been unable or unwilling to resolve my disputed charge claim on a Wayfair Citibank Credit card. I have attempted to have this resolved and after 2 months, I received a message stating that my disputed charge had been resolved because I received a merchant credit. But, I have looked at my account and this is not the case. My account balance should currently be {$0.00}, but it is still {$320.00}. On XX/XX/2022, I made ONE ( 1 ) purchase from Wayfair in the amount of {$320.00}, however 2 separate charges of {$320.00} appeared on my account. I contacted Wayfair directly about this charge and they stated that their invoice showed only a single charge or {$320.00} and advised me to contact Citibank directly since the problem was on their end, which I did to begin the disputed charge process. I later returned that item and received a refund in the amount of {$300.00}. I then paid the remaining balance of {$13.00}. I have made ZERO ( 0 ) other purchases with my Wayfair credit card either before XX/XX/XXXX or after XX/XX/XXXX. Citibank continues to give me the runaround on settling this dispute.
Complaint sub-issue: Information belongs to someone else

Notified the company that the information reported was inaccurate and false
Complaint sub-issue: Information belongs to someone else

XXXX account XXXX furniture company Conns company Are ID Theft and need to be removed
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items to be updated or corrected right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.
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, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/XXXX 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

I DISPUTED INFO EQUIFAX HAS ON REPORT. SPECIFICALLY " PAID CHARGE OFF '' STATUS. THE DISPUTE WAS ANSWERED WITH " ACCOUNT CLOSED '' XXXX BAL. THEY SAID THAT ANSWERED MY DISPUTE OFF " PAID CHARGE OFF '' CLOSED IT AS UPDATED BY CREDITOR. THE " CURRENT ACCOUNT STATUS STILL SHOWS " CHARGE OFF '' WHEN I SAID SINCE THAT ANSWER THEY PROVIDED CLEARED MY DISPUTE AS TO WHY STATUS IS CHARGE OFF AND NOT " PAID CHARGE OFF '' THEY SAY THEY DIDNT SAY THAT. SO THEY CANT CHANGE IT. I SAID SO HOW WAS MY DISPUTE ANSWERED AND CLOSED. THEY TRIED TO TELL ME THAT THAT MEANS WHAT I WAS DISPUTING " XXXX BAL / ACCT CLOSED '' WHICH IT DOES NOT .... I ASKED HOW CAN IT ANSWER IT YET YOU CANT CHANGE IT BECAUSE ITS NOT SPECIFIC ... .AND TOLD TO CAL XXXX XXXX TO HAVE THEM FIX IT. 

SEVERAL TIMES DISPUTED... SAME RESULT AND IVE BEEN HUNG UP ON 3X IN A ROW WHEN THIS IS POINTED OUT.

DISPUTE SPECIFICALLY STATES " PAID CHARGE OFF " S/B IN " CURRENT ACCOUNT STATUS ''. 

WHEN YOU LOOK AT REPORT FROM EQUIFAX ... NOWHERE DOES IT INDICATE PAID CHARGE OFF... XXXX BALANCE. STILL STATUS AS AN OPEN CHARGE OFF AND CLOSED ACCOUNT. WHEN ITS A CHARGE ... ISNT THAT HOW IT SHOWS. 

CLOSED CHARGE OFF BAL = XXXX ( CHARGE OFF ) AMOUNT OFF CHARGE OFF EQUIFAX HAS CLOSED NOT ANSWERED DISPUTES ... GIVEN CREDITORS MORE THAN 30 DAYS ... AND I AM TOLD CALL CREDITOR AFTER 30 DAYS WHEN NO RESPONSE FROM THEM ... THEY CLOSE DISPUTE ... SAY " UPDATED BY CREDITOR '' NOTHING DONE BUT A DATE OR A STATUS CHGD. 

LAST PAYMENT IN XXXX. PAID AS AGREED W XXXX XXXX XXXX EQUIFAX WILL NOT CORRECT STATUS THEY TELL ME " THEY SEND DIFF REPORT TO THOSE REQUESTING IT '' THAT ONE SHOWS IT '' ASK FOR SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 3X IN A ROW ON SAT XX/XX/XXXX. 

PLEASE HELP THEY DO EVERYTHING BUT WHAT THEY SHOULD EVEN IN THE LIGHT OF BEING WRONG. 

CANT BELIEVE THEY TRIED TO TELL ME MY LAST DISPUTE OF " PAID CHARGE OFF '' S/B STATUS WAS ANSWERED CORRECTLY WITH XXXX BAL / ACCT CLOSED BY XXXX XXXX ... THEN WOULDNT HONOR DECISION OF ANSWERED. IT IS PAID CHARGE OFF AND TOLD ME TO CALL XXXX XXXX 

MANY OTHERS WITH ... DO YOU WANT THOSE TOO
Complaint sub-issue: Information belongs to someone else

In XXXX of 2019 XXXX removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and equifax keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state
Complaint sub-issue: Personal information incorrect

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for my letter sent to Bureau previously and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureau responsibility. Please delete these items on my report that damages my score. THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Complaint sub-issue: Debt was result of identity theft

Please remove these accounts listed on my credit file, as they are a result of identity theft.