Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I am victim of identity theft. 
this account doesn't belong to me. 
i am already in collection. 
i called the company and them told about wrong information mine, they have wrong address, wrong phone number, and wrong email, but have my social security number and my name. 
I already made a dispute in XXXX, and XXXX, and XXXX. 

the account is : Collection Agency : NORTH AMERICAN RECOVERY Original Creditor Name : XXXX XXXX Date Assignated : XXXX Original Amount Owed {$2400.00} Ammount : {$2400.00} Status : UNPAID Account Designator Code : INDIVIDUAL ACCOUNT Account Number : XXXX Creditor Classification : FINANCIAL Date of First Delinquency : XXXX
Complaint sub-issue: Trouble closing card

In 2017, I opened an account with Direct Express, an operation of the U. S. Dept. of the Treasury, for the purpose of receiving payments from the Social Security Administration. The account was later closed after it was noted that a 'commission ' was charged on the money withdrawn, contrary to the terms of the agreement. 

On closing the account I notified DirectExpress that I wanted the balance on the account to be returned to the SSA. Instead, DirectExpress have pocketed the balance ( {$910.00} ) and have refused to respond to my phone calls or written communication for over 2 years. 

As a result, I had no option but to withhold the money from the IRS!
Complaint sub-issue: Account status incorrect

I've disputed with XXXX, Equifax, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX XXXX  is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the XXXX credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.
Complaint sub-issue: Card opened as result of identity theft or fraud

I had a card fraudulently opened in my name by Coinbase. I called and was told that Coinbase has no phone support for their credit card so they have to email me. They emailed me and said that it looks like my info got hacked, heres how I can change my password, username, etc. that is absolutely not what happened. As I explained to them, I received a Coinbase card I never requested. They did not confirm any of the card info and it is still opened, yet they will no longer respond to me by email and continue to tell me by phone they have no phone customer service for cards. Such a headache!
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I started a plan with XXXX telephones. I had 30 days to evaluate their service. I did not like the service and returned the phones to a XXXX store. I was informed that I was cleared of any obligations. They have been reporting on my credit that I never returned the phones. I spoke with XXXX many times on them looking in their warehouse or receiving or the store. I was met with they are not obligated to do so. They are reporting that I never returned the phones when they have the ability to search for them and are refusing.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Since XXXX of XXXX, I have attempted with two companies, XXXX XXXX and XXXX, to use their products. I can not get through the process because the security questions generated by them have nothing to do with me. In XXXX of XXXX, per LEXISNEXIS website I submitted all of the documentation that they requested to have my nonverified public information report sent to me. I never heard back although I sent several emails asking about the issue. Approximately two weeks ago, I went through the process again and ( this time ) received a letter saying they couldnt send it because my information did not match up. On XX/XX/XXXX, I called them ( again ) and explained to them that I am not comfortable emailing my social security card and other documents with PI via the Internet in this environment and that they already have what I sent on file. After nearly one hour on the phone, the woman I spoke with confirmed that they do have it and she placed me on hold and requested and received permission to have my report sent to me. However, it appeared to her that my information was suppressed and that I had opted out. She instructed me to email yet another group within lexisnexis and they confirmed ( what I had thought ) someone name XXXX XXXX in XXXX, VA, opted out in XXXX. I confirmed with them that my name is XXXX XXXX XXXX ( XXXX XXXX  in my first name ) and that I live in XXXX  XXXX XXXX  and have never lived in XXXX, XXXX. They confirmed that they never received an opt out from me and sent it back to the consumer group. I then had to call back today and an agent by the name of XXXX # XXXX, refused to send me my file, which I had received permission to have sent just six hours earlier. They continue to try to blame the companies for generating the security questions, which may be true, but the security questions are relating to the wrong person by their own admission. They ignored my first request and even with the documentation they have for me establishing who I am and where I live, will not send my report. It should be noted that the two companies continue to tell me the exact opposite- that they engage lexisnexis and the questions are generated by them and that I have to contact them. Because lexisnexis collects aggregated information and this is their business, I am inclined to agree. Additionally, I have been through several background checks and have had to answer similar questions before, I know how the process works. I am unclear why they refuse to assist. I have done and provided everything they have asked. Complied with every confirmation and I continue to get nowhere. This has been going on since XXXX of XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is erroneously reporting on all 3 of my credit reports and this account is not mine.
Complaint sub-issue: Unexpected increase in interest rate

XX/XX/XXXX, I ordered a washer and returned it to recieve another one. The other washer was returned but instread of giving me credit for that washer, HD applied it to my account that was riding on an " interest free '' that was not due til XXXX or XXXX. Of course it took several hours for the credit card carrier to figure this out. I requested an extention on my other accounts that were expiring to " start over '' and its was approved. I just learned that an amount of {$270.00} interest has been applied and that the accounts linked are not available online for me to see or dispute.
Complaint sub-issue: Account status incorrect

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Complaint sub-issue: Information belongs to someone else

My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked XXXX  and Equifax to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.
Complaint sub-issue: Personal information incorrect

While applying for a home loan, the lender was unable to pull a credit report via Equifax. Equifax is showing a fraud alert/block, which is not allowing my lender to pull a report. I have called Equifax several times and have even faxed in my driver 's license and social security card in order to verify Equifax is reporting all information accurately. They have told me they are, but my lender is STILL unable to pull my information. 

XXXX contacted their lender member services and verified via XXXX ( Case # XXXX ) that Equifax is reporting both my maiden name ( XXXX ) and my social incorrectly. 

I attempted to call back Equifax to have the matter resolved and they confirmed that the social and the maiden name are reporting. 

However they still have not resolved the issue. This is causing a delay in moving forward with my home loan.
Complaint sub-issue: Problem getting my free annual report

Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2019, I requested XXXX File No. XXXX Equifax File No XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX.XXXX, XXXX XXXX..also XXXX XXXX ... these name are inaccurate and XXXX has failed to remove the inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( XXXX, Equifax and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice.

This one particular account I will include in this report is a whole entire fraud case from XXXX! I requested XXXX Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between XXXX, Equifax and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one XXXX alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. XXXX will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way . And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!
Complaint sub-issue: Debt is not yours

I have written on multiple Equifax on which this account is not MIA. I am concerned that at no time Equifax has sent me letters or answers. The account is : XXXX XXXX account number XXXX
Complaint sub-issue: Problem getting report or credit score

I have tried to obtain my credit report and was told the information I provided does not match the information on file with the credit agencies. I contacted my bank and was informed that someone had submitted an inquiry, but was not able to access my information due to not having my security code.
Complaint sub-issue: Their investigation did not fix an error on your report

There is some arr, XXXX on all three credit bureaus XXXX  and XXXX  and XXXX fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXXXXXX XXXX XXXX SENT A NOTICE ON XX/XX/XXXX STATING THAT WAS REPRESENTING DISCOVER BANK TO COLLECT A CLAIM AGAINST ME FOR $ XXXX.I SENT XXXXXXXX XXXX XXXXXXXX . A LETTER US MAIL ON XX/XX/XXXX DISPUTING SAID DEBT, OR ANY PORTION THERE OF.NO RESPONSE FROM XXXX..ON XX/XX/XXXX I SENT ANOTHER LETTER TO TO XXXX DISPUTING SAID DEBT. ON XX/XX/XXXX XXXX FILED A CIVIL SUMMONS AGAINST ME {$1800.00}. I FILED A REQUEST ON XX/XX/XXXX FOR DOCUMENTS IN CONNECTION WITH THIS MATTER.ON XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX.DENIED ALL REQUEST FOR DOCUMENTS. STATING REQUEST SEEK TO DISCOVER INFORMATION, DOCUMENTATION OR TANGIBLE EVIDENCE PROTECTED FROM DISCLOSURE BY ATTORNEY-CLIENT PRIVILEGE .XXXX  STATES THAT MY REQUEST FOR DOCUMENTS AS IMMATERIAL, IRRELEVANT, AND TO BURDENSOME.WITHOUT INFORMATION OR KNOWLEDGE SUFFICIENT TO FORM AN OPINION AT TO TRUTH OR ACCURACY OF CLAIM. ON XX/XX/XXXX XXXX FILED A MOTION FOR JUDGMENT .WITH OUT A HEARING.ON XX/XX/XXXX XXXX GOT A  JUDGMENT. WITH OUT A HEARING BY DEFAULT .STATING I DIDNT RESPONSEIN A TIMELY MINNER .
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Old information reappears or never goes away

Okay so I just had a screening done to get a job at pet pantry and I got denied because of some charges that I got on my background and these charges are from 2014 okay and it was the last big case I had when I went to prison that was XXXX years ago 2014 so my threshold in this report says XXXX years and so I don't understand why that 2014 case is still showing on my credit on my background report when it's been over 7 years so that needs to be deleted and I probably would have got the job at pet pantry if that would have been deleted because they highlighted which charge made the factor and then deciding not to give me the job and it was XXXX of the charges from the 2014 case so therefore it's now interrupted me getting a job and making me look even worse and I just want it off my report I don't want to look at it anymore it's not a part of me anymore I have to pass time of my life it's over and I want it gone so please can you delete the 2014 case all of the 2014 cases from my background report they're old if you need to know dates and stuff I mean it's really simple to look at my background you see 2014 XX/XX/2014 is the first XXXX is the date filed and then it goes to XX/XX/2014 and going to go to yeah it's just all 2014 cases need to be moved or moved yeah I removed so if I can get done please thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.