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

I took initiative to start working on my credit and noticed on or about XX/XX/XXXX that there was a debt collection from Vance and Huffman LLC on behalf of XXXX XXXX reflecting on my credit report. Unsure of the process and what was going on exactly, I began to dispute this with the credit bureaus. After attempting these disputes and talking with an XXXX representative where I explained the circumstances we were able to to determine that I am indeed a victim of identity theft. I did not authorize the purchase or opening of an account and believe that someone from my neighbor did so without my knowledge. I am currently working with the collection agency to resolve this issue.The account was opened in SC on or about XXXX per the agency and the address on file is the address for my grandparents home which is the family home and well known to the community. I have never used that address in my adult life and have been living in XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are accounts, addresses and inquiries listed on my credit report that are not mine.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Bounced checks or returned payments

Made a deposit over {$3500.00} or so with an I valid check. Then I wrote another check per the amount of {$5000.00} lost prevention called me to warn me the check wont get paid my account was restricted. Previous to the restriction the institution failed to pay two in house charges when the money was available. They owe me {$40.00} on bounce checks.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my XXXX XXXX. 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of accounts 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 I have red my rights under the FCRA and 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: Their investigation did not fix an error on your report

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even lexisnexis and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and XXXX XXXX. I am trying to have a fresh start and its not right these lexis nexis and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through lexis nexis. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.
Complaint sub-issue: Information belongs to someone else

I have reported 6 accounts and a address where i have never lived at as fraud. XXXX and XXXX  cleared my reports. But Equfax is still showing the Fraud address and accounts on my credit reports. I'm submitting the F.T.C Identity thief report under number # XXXX copy enclosed, i also submitted the clear XXXX report. Please remove these accounts working on getting a mortgage. 
Thank you XXXX XXXX
Complaint sub-issue: Problem accessing account

My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.
Complaint sub-issue: Account status incorrect

WELL HERE WE AGAIN. I BEEN DOING THIS NIW FOR 2 YEARS EVERY SINCE MY BANKRUPTCY IN 2020 : MY OLD XXXX CARD WHICH WAS XXXX IN. XX/XX/2020 SHOWING OPEN/DEROGATORY IVE DISPUTED THIS OVER & OVER! 


ACCOUNT BEEN CLOSED FOR XXXX ( XXXX ) YEARS NOW!!!!
Complaint sub-issue: Account status incorrect

The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Complaint sub-issue: Reporting company used your report improperly

Account # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX on my credit report is incorrect and I have no knowledge of these items at all. I Request that reporting Agency as well as company verify the accuracy of the information I disputed. Also I ask for a copy of an original agreement with my signature. Thanks
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, my rights have been violated. 
Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681B ( 4 ) : states that there is a Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a so-called builder in Texas name XXXX XXXX who has been fraudulently opening accounts in my name for an entire year. He is not acting alone, he has employed the services of various car lots and bank reps. For example, he was able to purchase ( 2 ) $ XXXX worth of XXXX XXXX in Texas, under my personal and business credentials, without my knowledge or consent. For an entire year, I have at least disputed this fraud with Equifax at least 8 times, all of the fraudulent accounts that have posted to my credit file, along with several police reports and an FTC report.. Since XXXX XXXX, XXXX, I have again filed XXXX fraud disputes with Equifax. They ( Equifax XXXX never investigated my fraud claims. Equifax has yet to send me any evidence that a fraud claim was ever investigated. They keep updating my credit report with the same negative status. I am uploading documents to support my claim. This is my last effort of pleading with Equifax to remove and block the fraudulent accounts, and to properly restore my credit., prior to filing a lawsuit for damages against Equifax XXXX
Complaint sub-issue: Debt is not mine

Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.
Complaint sub-issue: Didn't receive services that were advertised

My information was compromised in a security breach, and I am a potential victim according to XXXX. Ridiculous that a company that handles extremely sensitive information can be so careless. The fact that I have to pay to freeze my credit is XXXX, I did not cause this so why do I have to foot the bill? It may only be a few dollars, but Equifax is making millions off consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

As notified before, i am a victim of identity theft
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 was paid

On XX/XX/XXXX I received an email from USI Solutions , Inc demanding payment for a loan. After them that this was paid off, I received two emails dated XX/XX/XXXX from USI Solutions stating that the account was closed. On XX/XX/XXXX I received a phone call from a collection agency and because I wasn't sure if they were inquiring about the sane account, I called USI who proceeded to tell me that the file wasn't closed and that they were going to reopen it. I asked them to give me 24 hours to get home and research my records and that I would call them the next day. On XX/XX/XXXX I called USI back and agreed to a settlement of {$500.00} post dated to XX/XX/XXXX which would allow me more time to prove this was paid. 
I called USI today, XX/XX/XXXX at XXXX CT to let them know not to process that {$500.00} payment which was due on XX/XX/XXXX and I wanted to request A Verification of Debt letter. The operator said that she could not process my request and that she would have an account manager call me back within a few minutes and he/she would discuss the matter with me. I never got a call from USI so at XXXX I called them back and spoke with another operator who congratulated me on making my payment and asked if I was calling to get my paid in full letter. I informed him that the ACH payment arrangement was for this coming Friday XX/XX/XXXX to which he responded that the payment was made today Tuesday XX/XX/XXXX. I then told him that I called earlier to stop the payment and was promised a call back and during that time his company went ahead and processed the payment. He told me that I would have to go to a website to request a refund along with proof of payment ( which I was able to find on old laptop ), to which I asked for either a manager or supervisor which he told me to call back tomorrow and ask for. I then asked for his information and he hung up on me.
Complaint sub-issue: Right to dispute notice not received

Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.
Complaint sub-issue: Deposits and withdrawals

During the months of XXXX to XXXX of 2022, my checking account has been froze on many occurrences due to sending money by using XXXX. As I called the bank and told them I used XXXX a lot to send money and there is no suspicious transactions that they should be worried about, they continue to keep freezing my account whenever I use XXXX through Discover bank. I have talked to so many customer service representatives and the supervisor, they all said that this is for security purposes even if clarify with them all the XXXX transactions are legitimate. Just last week Discover bank froze my account again, I had set up payment toward my credit card, and that caused the payment to be returned even though I have sufficient funds in my checking account. Indirectly, my credit card has closed all my accounts due to the returned payment and over credit limit. The freeze from Discover bank has caused me so many problems with other institutions and nothing can be solved unless I call in to unfroze the account for XXXX transactions but this event last week has caused a lot of stress as my credit score will now be negatively effected. Why is there no call to me prior to freezing or closing my accounts?
Complaint sub-issue: Problem getting your free annual credit report

XXXX  has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my XXXX  report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with XXXX  asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Funds not received from closed account

On XX/XX/2022 I deposited two deposits into my account amounting in XXXX from a XXXX account, Upon contacting Moneylion about my debit card realizing my password was changed. 
And upon entering my account I realized an un identified number was attached I immediately contacted Moneylion on the XXXX of XXXX with my complaint and issue they informed me that my account was frozen due to unusual activity. 
I went and checked my statement and seen over 30 transactions going in and coming out of my checking account, when filing a dispute with moneylion on the XXXX of XXXX. I also seen other transactions in my account and when I went to check it I received a email from someone claiming they got my information from moneylion and they were contacting me so that the money they deposited into my account if I could it back to them, with concern I immediately contacted moneylion with this and also sent them the emails and they reassured me that the individual did not have access to my account so I asked them who moved money out of my account and was moving money on a XXXX  app in and out of my account they did not respond at that time I felt it was an inside job and I was right? They had the retention team investigate and they approved all my documents and moneylion was to release my balance to me and they have not done so. And the individual whom admitted in texted that I did not release to moneylion admits to doing transactions in my account and sending me XXXX and harassing emails of knowing my conversations that took place during phone conversations with moneylion and I also have the number the individual gave to me so that we could talk about how I would get there money out and they would allow me to keep half of what they deposited into my account. Also the individual also took out a loan amounting in I believe XXXX.
Complaint sub-issue: Account status incorrect

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas XXXX. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Now this is my next step to filing a lawsuit. Thanks you
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCIUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : ) XXXX