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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX 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 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: Problem with personal statement of dispute

XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?
Complaint sub-issue: Information is not mine

There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.
Complaint sub-issue: Information belongs to someone else

I have sent Equifax everything they ask me to send them to show that I was a victim of identity theft
Complaint sub-issue: Old information reappears or never goes away

I received a copy of my credit report and I notice I have an account that is too old and another account that needs to be updated. Please remove XXXX XXXX account XXXX ( 15 years ) and update XXXX XXXX balance XXXX ( that account was paid in full, balance is XXXX )
Complaint sub-issue: Didn't receive enough information to verify debt

Citibank I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.
Complaint sub-issue: Threatened to sue you for very old debt

My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this information multiple times. I want this removed immediately. Pursuant to 15 usc 1681i ( A ) the federal law says when an investigation is going this account should have been removed and it never was. Also according to 15 usc 1681 ( a ) ( e ) investigate consumer report says should be personal interviews done and I have not received any of that information. They didnt do that.
Complaint sub-issue: Problem getting your free annual credit report

I HAVE REQUESTED A COPY OF CONSUMER REPORT AND HAVE YET TO RECEIVE A COPY.
Complaint sub-issue: Investigation took more than 30 days

Equifax Dispute requested on XXXX/XXXX/2021. Dispute was not completed until XXXX/XXXX/2021, past the 45 day limit according to Consumer Credit guidelines.
Complaint sub-issue: Talked to a third-party about your debt

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. Pursuant to 15 USC 1692g ( b ). 

I sent certified mail USPS ( XXXX XXXX XXXX XXXX XXXX XXXX. ), a notice to the consumer reporting agencies about some inaccuracies furnished on my report. 

I also sent certified mail USPS ( XXXX ) to progressive management services about these inaccuracies
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 3 ) you assume this role you didnt have permission so not only it is not permission you didnt have my consent. 1681 ( a ) ( 4 ) there is a need too ensure that consumer coordinates exercise their grade that means life or death not about too die in responsibilities of fairness Impartiality respect for consumers right too privacy. 
1681 ( b ) ( 2 ) I the consumer never instructed them too furnish this report or too create this report and never consented too this report and the first place.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights.

15 US 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: Problem during payment process

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 and XX/XX/2017 XX/XX/2017
Complaint sub-issue: Debt is not yours

I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fee problem

Since XX/XX/2022, my checking account has been assessed a - {$25.00} monthly service fee. The account has existed for years and had never been subjected to such a fee. Citibank claims this fee was assessed because the balance in the account was below the " minimum '' requirement and, allegedly, I agreed to such a fee when opening the account. 

The balance in these accounts has remained stable. In other words, there were no withdrawals in the years leading up to such fee assessments. Why did the monthly service fees suddenly start in XX/XX/2022? 

Upon calling and bringing this matter to Citibank 's attention, I learned that Citibank had unilaterally transferred this checking account ( and a savings account of mine ) to inactive status. This was despite my consistent monitoring of the accounts via the Citibank mobile app and Citibank website. 

In order to switch the account back to " active '' status, I was told to mail a signed declaration to Citibank 's service center requesting they " update my date of last contact ''. I followed these directions and the accounts are now active ; however, requests for reimbursement of those monthly service fees assessed while my accounts were in " inactive status '' have been repeatedly denied.
Complaint sub-issue: Reporting company used your report improperly

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts number XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
Complaint sub-issue: Transaction was not authorized

In XXXX of XXXX on the first my SSI benefits went on to my Direct Express card in about XXXX to XXXX a.m. LOL thresh transaction was made taking {$400.00} of my benefits and I only receive {$520.00} a month I went through all the steps by reporting and everything that I had to do I did that day that the money was unauthorized and taking off or out of my account. Then XX/XX/XXXX XXXX XXXX who is the answering service for customer service for Direct Express froze my Direct Express card that's the card that most people with SSI get their benefits deposited on I can not reach a live person I've even wrote to the oig US Treasury various people their social security department I've tried to reach condo and services which is the customer service number you have to call for Direct Express for any problem I can't even get anything to happen those companies along with Comerica Bank who holds all the money for the US Treasury for social security had or have civil lawsuits against them some people are having luck with getting their money back but I can not reach a person on the phone I need to have the account unfrozen and having a card sent to me and on XXXX there are groups for victims of direct express XXXX XXXX in Comerica Bank that I'll talk about their experiences some people have taken prepaid cards like XXXX or something like that to social security office and has it so security office call the XXXX XXXX the customer service and have them reroute the money back to social security office and then put it on your card but I'm getting the runaround and I have since XXXX of XXXX and we're almost in XXXX of XXXX that's all the money I have to live off of months {$520.00} so that hurt me I lost my home had problems paying car insurance getting medication going to the doctor everything lost a lot of a lot of my personal belongings my place to live was the most important I don't know what to do at this point I've done everything that I was supposed to do reporting the frog riding them a tizzy I've done it I'm getting nothing but brick walls and the runaround I would like to get a new card I'd like to social security office to have the money rerouted back to them because someone in another state on one of those websites that I was talking about victims of Direct Express in XXXX  services they did that very thing but I took a card of the same thing to the local office where I live in XXXX South Carolina and the worker at the windows and they didn't do it so I know it can not be different from one state to another it's also security I need help and this pandemic has not helped at all and I've been trying for 5 months now to get my money back and that's almost {$1000.00} thank you so much.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because According to 15 USC 1681 : I Have the right to privavy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX
Complaint sub-issue: Information belongs to someone else

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.
Complaint sub-issue: Account information incorrect

Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XX/XX/XXXX ( 35 days post purchase ) till XX/XX/XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a zero balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted XXXX today who informed me that the dispute on the account balance has been denied as Flagship says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I spoke with Pennslyvania Higher education this month and on that call I requested to arrange a lower payment or some sort of plan. I was told there were none available to me at this point. The man stated on the phone if I made my full payment in XX/XX/XXXX my taxes would not be taken from me, when i called today because they called me yesterday they stated they sent to the IRS yesterday to take my returns. I asked to speak to a Supervisor and she informed me there was nothing I could do I told her I spoke with them and siad nothing would be done with my taxes unless I missed anotherIr XXXX. which I have no idea how! I attended XXXX College in XXXX CA that is no longer there I was promissed every quarter to get on the job experience while I attended and it never happened they told me this was part of the program I graduated without every once stepping into any hands on training of any kind. I 'm currently unemployed and a single parent I 've never been able to get a job in the field most places claiming because I have no hands on experience. This student loan has ruined my life, I can never buy a home and constantly have poor credit no matter what I do. Please help me if you can. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was paid

i am a XXXX XXXX year old consumer Enclosed A COPY OF MY XXXX AND EQUIFAX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE EQUIFAX REPORT ON XXXX CREDIT REPORT ARE XXXX XXXX XXXX, XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED )XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to equifax in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , FL  XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Account information incorrect

Equifax is not returning my credit score to the original score of XXXX from XXXX they bumped it to XXXX big deal. This incident was all created by XXXX  XXXX credit card XXXX. I had an agreement with XXXX  XXXX that there would never be any service charge of any kind for this card. Then they created a charge without my knowledge wich I was only brought aware of after the credit agency contaced me and said theres a late charge on your credit. I called XXXX  XXXX several times and they admitted fault and agreed to cancel the account. Then I rechecked the account and it once again says I owe like XXXX. this company is forcing me to pay for something I canceled several times while in the process has damaged my credit score. I am sick and tired of dealing with these fraudulent people Thank You XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

XXXX sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with National Collegiate Trust which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with National Collegiate Trust because they no longer have the loans. I do not see any ownership information from National Collegiate Trust or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was National Collegiate Trust but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. National Collegiate Trust and XXXX are trying to commit fraud against me. I have the copies of all of the complaints I have against XXXX as proof. National Collegiate Trust can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
Complaint sub-issue: Debt is not yours

I have tried to dispute the account multiple times with the credit bureaus and collection agency that it was not my account and it belonged to my ex-husband and I have not been sent any proof to validate that it was my account and I have also reached out to the original creditor and was advised they could not locate me in their system in order for them to delete it.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Equifax and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance