Johnade/consumer_complaints_cfpb huggingface dataset:
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

Hello, I am in collections over two different fraudulent charges I did not make. 
I have a charge from XXXX which is in collections at XXXX XXXX over an XXXX XXXX for {$120.00}. 
I have a charge from XXXX which is in collections for {$260.00}. 

Regarding the XXXX XXXX XXXX XXXX I have made over 30+ attempts via phone to both companies to remove this charge from my name due to it being fraudulent. I was notified of this charge in XXXX via phone from XXXX XXXX, and I have been trying to fight it ever since. I have done multiple 3 way calls between myself, XXXX and XXXX XXXX. It has pretty much not gotten anywhere, and its mainly because XXXX XXXX  wont do their part. XXXX has already realized I did not make the charge for the XXXX XXXX so they removed it from my account and placed it on the correct persons account months ago. But because XXXX sent me to collections, they stated they needed XXXX XXXX to remove my name from collections by sending the charge back to XXXX, so that XXXX can send XXXX XXXX back the correct person to put in collections. XXXX XXXX never allows me to speak to a XXXX or supervisor when I ask, but on XX/XX/XXXX when I did another XXXX way call with both companies and myself, they stated the XXXX XXXX XXXX ( XXXX XXXX ) would be doing what XXXX asked and sending the collection back to them. I followed up with XXXX on XX/XX/XXXX to find out if XXXX XXXX did their part, and they stated XXXX XXXX has still not removed my name and sent it back to XXXX. I attempted to reach out to XXXX XXXX again on XX/XX/XXXX, but the number I have been speaking to them on is now out of service. The contact information that XXXX XXXX has on file is not any of my correct information, it is someone elses, the only piece of information they have linking myself to the fraudulent charge is my name. The address, phone number, and email they have on file for me is not correct. I have never used the phone number, email address or home address they have associated with my name. 

Regarding the XXXX  charge, I have contacted XXXX  and they required me to fill out a fraud form since I did not make the purchase but I am in collections over it, I have not received anything back from them. I have been trying to deal with both of these fraudulent charges, but have been trying harder to remove the XXXX XXXX  charge since I found out about that first. I did not even receive any information about the XXXX  charge, the only reason I found out about that one was when I called the credit bureau over the XXXX  charge, and the credit bureau stated they seen the XXXX  charge too. So both of these fraudulent charges were not associated with my email address, phone number, or home address. The only thing linking me to both of these fraudulent charges is my name. 

Neither of these purchases were made on any of my credit cards or debit cards. Neither of these purchases used any of my contact information besides my name. The purchases are not linked to my home address, phone number, or email. Anyone can use my name to make a purchase.
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2021 I SENT MAIL TO EQUIFAX, XXXX  AND XXXX  TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

1. XXXX XXXX XXXX ACCNT # XXXX {$1500.00} 2. XXXX XXXX XXXX XXXX ACCNT # XXXX {$980.00} 3.XXXX  ACCNT XXXX : XXXX {$1000.00} 4. XXXX XXXX XXXX ACCNT # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX 6.XXXX/ XXXX XXXX XXXX XXXX XXXX {$10000.00} 7. XXXX XXXX XXXX XXXX # XXXX {$230.00} 8. XXXX XXXX  DEBIT CARD ACCNT # XXXX {$0.00}
Complaint sub-issue: Account status incorrect

I started the loan in XX/XX/2021 Ive made payments then fell behind. Moneylion sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with XXXX they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 a account without my written instructionsI
Complaint sub-issue: Reporting company used your report improperly

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want this account off XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement is not always practiced. Equifax deleted XXXX XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX and then reinserted it without notifying me ... then between XX/XX/XXXX and XX/XX/XXXX they removed the negative remarks, but then reinserted it again without notifying me once again ... this is against FCRA law ... I disputed the incorrect info on my report and they removed, but put it back on report illegally ... I want it completely removed, and possible compensation for violation of law and my rights ... and I am yet to get anything in writing about investigation ... instead I have seen everything on-line in which I did not consent to on-line results ...
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Banking errors

Hello, I received a phone call on Friday XX/XX/XXXX from a lady named XXXX XXXX she told me she was working with a collection company for US Bank and I needed to call this number in order to fix my situation or they were going to freeze my assets and get a hold of my HR at my job. The number she wanted me to call is XXXX XXXX XXXX. This lady stated in my voicemail that I still have by the way, to clear my checking account problem soon and it's from XX/XX/XXXX. I didn't receive my voicemail until Saturday morning XX/XX/XXXX at that time I called the number she left on my voicemail I reached a guy named XXXX XXXX from phone number XXXX XXXX at extension XXXX. Then he proceeded to tell me we were being recorded as we were talking and he can use this for court purposes he told me I need to clear up this matter that I had US Bank and I supposedly wrote a check for {$24.00} and it went into overdraft and he stated they forced closed my checking account in XX/XX/XXXX mind you XXXX XXXX told me it was from XX/XX/XXXX. Me being scammed and a victim of identity theft I also have the XXXX XXXX monitoring my credit because I.work for the XXXX XXXX. I checked into this to find out it was a scam and l was to go report this. They were asking me for {$2700.00} I told him I was not paying anything until I found out if this was legit he advised me to call back as soon as possible to fix this matter or my assets will be froze! I also told him I had my account at US Bank till XX/XX/XXXX that he was a lier!!!! I did not give him any personal info! I'm so sick and tired of these scammers trying to rip off hard working people! Please find them and prosecute them. I'm also looking into an attorney to sue them. Thank you
Complaint sub-issue: Deposits and withdrawals

my account has been frozen for over a year now with no written or verbal explanation of why or when it will be back useable they continue to charge my account XXXX dollars every month far a acoount that i cant use customer service is of no help
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Received bad information about your loan

I received a letter on XX/XX/19 stating i was in delinquency for not making payments although I had already spoken to an advisor stating I can only make {$50.00} payments. I reached out via phone on XX/XX/19 Nelnet expects me to pay over XXXX dollars for a monthly payment when I explained my financial situation i was told i still will need to pay my balance. I was not offered about options until I asked what else I can do, the advisors were rude and not well informed. I have been sending payments for years, the manager was no help and was rude as well. I have been making payments for years on what i can afford I will like to pay towards my balance but reasonable amounts not an amount that will leave me stressed or more in debt. The original advisor I spoke too did not follow the proper protocol process now my account is in delinquency although I have been sending my monthly payments every month like I have been expected too.
Complaint sub-issue: Personal information incorrect

Hello My name is XXXX XXXX XXXX, I have spoken to Equifax.XXXX  and XXXX on multiple occasions to delete previous addresses and also known names removed from off my consumer report, But there has been NO removals, If you all cant help me I will get my Lawyer Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive enough information to verify debt

I went to XXXX XXXX in XXXX and submitted my insurance information. We also have a medical co- pay allowance of {$1500.00} thru work medical insurance. We did not receive a bill from XXXX XXXX and were sent to collections with no notice. I just received a notice from Plus Four after correcting fraud on my credit due to being part of fraud from my purse being stolen on XX/XX/XXXX and also breach with XXXX/XXXX. Plus Four put on medical debt on credit twice on XXXX, once on XXXX. I called XXXX XXXX and spoke to XXXX who did not have a reason for not sending bill, even though their reviews from patients mention the same issue. She told me to call Plus Four. I spoke to XXXX at Plus Four who told me I would have to pay {$10.00} extra for a receipt of payment to show medical bill was paid. Original bill was {$73.00} and had to pay {$95.00} including interest and {$10.00} for receipt to be mailed. Total of {$100.00}. I am upset since many reviews for XXXX XXXX mention not receiving a bill and getting sent to collections. No patient should have to go thru this to have their credit affected for a medical office not sending a bill so a patient can pay their bill. This violates the Fair Credit act. In addition, to charge {$10.00} for a receipt. Can you help investigate Plus Four for
Complaint sub-issue: Information belongs to someone else

I submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.
Complaint sub-issue: Account information incorrect

XXXX, XXXX, Equifax Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : Equifax XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by credit grantor. 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Debt is not yours

AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.
Complaint sub-issue: Reporting company used your report improperly

I found a hard inquiry from XXXX XXXX B that I did not authorize. It shows to have happened on XX/XX/18 but I received nothing from them nor have I ever communicated with them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Account information incorrect

According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Complaint sub-issue: Problem accessing account

I called the customer service phone number to ask why I couldn't use my card that had money on it for certain things. For example I can buy clothes and games online with my card but I couldn't order uber eats online. They asked me to verify my information. I was able to verify the following ; -name -DOB -FULL ADDRESS -Sent Picture of current XXXX state ID I however was not able to verify the phone number and/or email on the account. As I've had several emails and phone numbers since.. and this is maybe years later since created. After I gave the incorrect email they froze my account. My only income is XXXX and the funds go directly to thay account. I suffer from XXXX and XXXX XXXX XXXX. This took such a toll on my mental and if it wasn't for my sons mother I wouldn't have had any clue what to do. From the XXXX hour wait time on the phone to speaking to countless people who refuse to help me I was getting no where. My sons mother advice to me was go to the office where I was also denied help. I was told I can change my direct deposit information but I would have to wait another month for the check. But they couldn't help with the current funds on the account.. only the pending and future funds. They sent me a check and I set my ssi payments up with another bank.. however the current amount on the card is still there and I still do not have access to it. I have not been able to use this account since mid XXXX and though I was able to handle this pending and future deposits. The amount that's been on there is being held XXXX. They refuse to close the account and send a check because they refuse to unlock the account. I'm lost sleep and put in financial hardship over this. I have a XXXX year old. I have bills. My family depends on me and they should be able to when I'm doing all I can. Direct express refuses to help me no matter the times I call nor the emails I send. The account is still open and money still there. I can not continue to hope they do the right thing. I need help