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

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor items. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AR XXXX XX/XX/2022 ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$740.00} ; XXXX XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) I48243O1****Balance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00}.
Complaint sub-issue: Debt is not yours

On XX/XX/2018, this debt for { 10,973 } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX, and just to let you know that I am sending a complaint to your good office for myself and there is no third person/company related to this request. Regardless of the multiple written requests, the unknown inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Talked to a third-party about your debt

I have been called Incessantly by Citi-Financial and its subsidiaries for Years ( since 2010 ), they have called my Mother, Grandmother and Step-Father and discussed amounts and debt type with them. This is unethical and Embarrassing. I have spoken to others that have had the same thing happen to them.
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 XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Complaint sub-issue: Problem with fees

I have had major difficulties with this company for the l ast two ye ars. I wo n't go into the story except to say that I had to get a lawyer to have them remove a {$4500.00} charge that was never mine. they ought to have paid his expenses and refunded all the interest but I let it go because I had had enough of their runaround.   Now they have charged me with a late fee on a bill I never saw. they say they ca n't forgive more than one late payment every twelve months and I already had mine. the problem is that I can prove with my medical records that I have been ill for months including  XXXX   XXXX  in my  XXXX /  XXXX , and  XXXX  that went undiagnosed for at least 6 months. When I got the bill for a little over {$100.00} with the late fee of {$25.00} which could not be taken off, I felt it was usurious and illegitimate and I paid the bill without the late fee. this month I got  XXXX  bills.  XXXX  was the late fee doubled with .50 interest for a balance of {$50.00}. the other was a bill on a different card with a credit of - {$25.00}. They actually had enough to cover my late fee and zero it out.
Complaint sub-issue: Trouble with how payments are being handled

I am a XXXX and an employee of the XXXX XXXX XXXX ( SC XXXX ) I received acceptance into a XXXX XXXX loan repayment program called XXXX. This program is predicated upon me paying my student loans and then getting reimbursement year-end from the VA. 
The problem is my student loan servicer, American Educational Service ( AES ) keeps decreasing the monthly amount on my loans and not paying the balance we sent in and failing to notify us until after the fact. Now, without my consent or request, they have placed 2 of my student loans in " forbearance '' which will disqualify me from my loan repayment program. I have called and emailed them but they still have not taken the loans out. Decreasing my payment amount so the interest builds an I am indebted to them longer without my consent I consider predatory.
Complaint sub-issue: Debt is not yours

I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 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 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3.  Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..
Complaint sub-issue: Debt is not yours

This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.
Complaint sub-issue: Information belongs to someone else

This is not my account. Please remove it.
Complaint sub-issue: Attempted to collect wrong amount

I have a doctors bill that went into collections, I've made payments on this account and have been trying to contact them but they have been giving me the run around. Its with Ar Resources Inc.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. It has already been removed on the other bureaus. Please remove them.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}
Complaint sub-issue: Account information incorrect

I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2022 I reported that My Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Credit Report to Equifax via phone with an Equifax representative. 

On XX/XX/2022 I mailed a letter to Equifax Stating that my Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Equifax Credit Report I then got a letter in the mail from Equifax stating that the disputed item is not on my credit report. 

I need my Morgage to show up on my credit report. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I attended XXXX XXXX XXXX XX/XX/XXXXfor summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.
Complaint sub-issue: Old information reappears or never goes away

ERC : XXXX, XXXX. XXXX  XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.
Complaint sub-issue: Old information reappears or never goes away

I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Its effecting my score n lowering my score with so much inquiries of things I never applied for .Remove off credit.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Account information incorrect

Late XX/XX/XXXX : Contacted XXXX. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX: Called XXXX to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled XXXX again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : 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.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my XXXX  insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.
Complaint sub-issue: Account status incorrect

Hi CFPB, I recently found that there are certain incorrect accounts showed up on my Equifax credit report. 

All those accounts are XXXX  XXXX XXXX and showing that they are all open in XX/XX/XXXX or so. 

The truth is I never do business with XXXX  in my life and my first time Arrived in the US was XX/XX/XXXX. I had my first credit card around XX/XX/XXXX. 

I do believe I am the victim of the Equifax data breach and please kindly review that and take the right actions. 

Thank you
Complaint sub-issue: Debt was result of identity theft

Discover financial services has infringed upon my right to privacy as a consumer, and they have violated the following laws under USC 1692 : 1. USC 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692d. ( 2 ) 5. 1692c. ( 1 ) Now before you allege that you're not a debt collector please be advised that you are. Pursuant to USC 1692a : ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include
Complaint sub-issue: Information belongs to someone else

After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did Equifax subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.
Complaint sub-issue: Card opened as result of identity theft or fraud

I AM GETTING NOTICES THAT EQUIFAX HAS SOME NEGATIVE INFO ON ME FOR PAST DUE PAYMENTS FOR AN ADDITIONAL XXXX  XXXX XXXX ACCOUNT WHICH I NEVER OPENED. THIS INFO IS SHOWING UP WITH EQUIFAX BUT NOT WITH XXXX I WOULD LIKE THIS REMOVED. 
THE ACCOUNT ENDS IN XXXX AND HAS A XXXX CREDIT LIMIT AND PAST DUE AMOUNT OF {$140.00} DOLLARS WHICH I NEVER OPENED
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, 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 XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX