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

I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Citibank keeps calling 2-3 times a day, invading my privacy. Im currently out of a job, and they keep harassing me, even on a Sunday morning. Im always waiting for employers to call me for an interview, but never knowing if I could miss this opportunity because of a citi bank. They keep charging interest and late fees ; so fat it being {$180.00} on top of what I owe. They refuse to remove it, and keep increasing my debt.
Complaint sub-issue: Public record information inaccurate

My complaint involves all 3 credit Bureaus but especially Equifax who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the Equifax Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with XXXX  and XXXX  both stating there is no substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at XXXX  has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated to provide restitution.
Complaint sub-issue: Information is not mine

I submitted a request for verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.
Complaint sub-issue: Other problem

Discover Card is reporting a 30 day late on my credit reports. I have asked for a good will removal of this late payment several times since it is adversely affecting my credit and it was only a bit later than the 30 days. I have consistently made my payments on time prior to and after this late payment. They refuse to remove it.
Complaint sub-issue: Debt resulted from identity theft

I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft on which a fradulent collection was added to my credit report by XXXX XXXX for {$650.00}. Upon filing an identity theft report and going through the proper authorities, this has since then been removed from XXXX and XXXX  report for almost a year now. Equifax still refuses to remove this information and is single handedly ruining my credit as well as many life opportunies due to my credit. 

Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Because of your refusal to do so, I have filed a report with the CFPB, FTC, and my local XXXX. I expect this issue to be resolved, or I will not hesitate legal action through my attorney general 's office as well as a specialized law firm. 

Please respond and resolve my complaint as soon as possible, thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone else 's homeowners insurance policy was placed on my LexisNexis CLUE report. I have no financial obligation to the policy, nor to the property. How is this even possible? How in the world would XXXX XXXX or Lexis Nexis even have my personal information if it is not on the policy to use to add me to a policy without the policy holdes approval and to start to report against me when I am not a party to the claims? This is beyond unbelievable. I have spoken with XXXX XXXX from the XXXXXXXX KS office XXXX and he confirmed that I am not on the policy and never have been. In fact, claims that occured before I was in the residence are added to my CLUE file. I have complained to Lexis Nexis that I am not on the policy. However, you will see that it is my name on the report listed as Subscriber # 1. I am not on the pollicy in anyway. No tenant/care taker/renter should ever have the homeowners policy attached to their report. According to LexisNexis, XXXX insurance  has validated this as accurate in the disputes I have called in to Lexis Nexis. As you can see from the paperwork attached, LexisNexis chose not to follow the law and get a copy of the homeowners policy from XXXX or the local agent XXXX XXXX to prove that I have a financial responsibility to this account to verify its accurancy. Instead they tried to collect more personal data on a non-property owner and non-policy holder. This is a violation of my rights by XXXX, XXXX XXXX XXXX as well as Lexis Nexis. It is against FRCA to report accounts that are not mine and to verify them as accurate without documentation and an investigation. Furthermore, I have been advised that it violates insurance reporting to attach random claims to someone not responsible for the debt. This is beyond ridiculous that it has taken 6 months for this to not be handled. I demand this be removed from my report immediately. I have called LexisNexis 3 times to dispute this and they told me it is MY problem to validate that it isnt mine. You have to be kidding me? I am supposed to ask the homeowner and policy holder for their policy, Social Security Number, Date of Birth and all to prove it isnt me while supplying all this information on me as well. Hmmmm, this is not how the law works. They need to prove this information, which they can not as I am not on the policy and have no ownership stake in the property. Please investigate and ensure this gets removed from my CLUE and A-Plus reports.
Complaint sub-issue: Need information about your loan balance or loan terms

In the last three months, my private student loan servicer, AES, has locked me out of my online account. Whether or not I am up to date on my payments, I have a legal right to access information pertaining to my debt. AES is violating my right to access my information online and has not honored the online account management services.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is continuing to block my attempt to payoff a court ordered judgement. They have blocked my number & XXXX in the legal dept is avoiding contact with me. I contacted Hunter Warfield on Wednesday XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. The Fair Debt Collection Practices Act ( FDCPA ) prohibits the addition of any interest, services fees, collection costs or other expenses incidental to the original debt unless it is expressly authorized by the agreement creating the debt I have expressed to XXXX XXXX that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgment that XXXX received against me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, Precinct 4, place 2. Hunter Warfield is in violation of the FDCPA and the FCRA.
Complaint sub-issue: Debt is not yours

This collection appeared on my credit report a couple months ago and then it was removed, now it is back again on my report from another collection company, THIS DEBT IS NOT MINE I have no knowledge of this debt/collection and it must be a case of identity fraud. Please remove the collection from my report as it is the only derogatory mark on my credit and it is hurting my score severely which I need to buy a house for my family
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax in the past explaining that the information on this identity theft report was not done by me & I don't know who did. I have never gotten any merchandise from them or nothing that they were selling. Please delete these items from my credit report.
Complaint sub-issue: Information belongs to someone else

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated XXXX ( 3 ) accounts inaccurate information please remove XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX has violated My rights XXXX XXXX XXXXXXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated My XXXX XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Exquifax has violated My rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.
Complaint sub-issue: Public record

Equifax is reporting inaccurate information on my credit report that is a violation of the Fair Credit Reporting Act. 

I disputed XXXX XXXX XXXX XXXX accounts on my credit report, XXXX and XXXX and the accounts were never marked as in dispute. This is a huge violation of the Fair Credit Report Act where I can be entitled to {$1000.00} for each violation. Please delete XXXX of these accounts from my credit report. 

Another big problem is that Equifax continues to report XXXX Chapter XXXX bankruptcies on my credit report which is a huge mistake. How can that be possible? Chapter XXXX Bankruptcy with docket number XXXX states it was dismissed so why is it reporting on my credit report? 

In regards to Chapter XXXX Bankruptcy docket number XXXX, they are listing the asset amount and exempt amount as {$0.00}. That is so incorrect. How can they get away with reporting this inaccurate information when I have disputed it multiple times with them? 

Now for the biggest violation of all. 

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1200.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX, XXXX Balance : {$5700.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1500.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$5600.00} All XXXX of these judgments need to be deleted from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile. 
these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. XXXX, Equifax, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.
Complaint sub-issue: Information belongs to someone else

At present I am exasperated! I have endeavored to be patient yet it is very difficult to be patient when you feel that you are consistently being dismissed by someone. I think you neglect to recall that I am the client agreeing! " 15 U.S. Code 1681 - Congressional revelations and statement of purpose ( a ) Accuracy and respectability of credit uncovering ( 1 ) The monetary structure is dependent upon sensible and definite credit reporting. Mixed up credit reports directly cripple the viability of the monetary structure, and unmerited credit declaring techniques damage the public assurance which is central for the continued working of the banking system. ( 3 ) Consumer enumerating workplaces have expected an essential part in accumulating and surveying customer credit and other information on purchasers. The monetary system is dependent upon the sensible and accuracy declaring of purchaser workplaces. Exactly when you disregard to deal with your work notwithstanding the way that it harms me it impacts the monetary system. The monetary system acquires cash by crediting to clients like me. I have associated a couple of times protesting about the mistaken things on my purchaser report. Well I am complete whimpering. I demand you take out these off-base things or I will search for suit for the total of the encroachment and for the torture all of you have caused me by annihilating my remaining by uncovering mistaken things.
Complaint sub-issue: Other problem getting your report or credit score

I applied for a new line of credit and the company informed me that my credit score had dropped so I logged in to Equifax to check my credit report and I saw that my credit score had dropped tremendously I have paid all my open accounts on time and I didn't open any new line of credit and there is no collections on my account.
Complaint sub-issue: Information belongs to someone else

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XX/XX/2022.
Complaint sub-issue: Received unwanted marketing or advertising

XXXX I have signed up online account with equifax and tried to place a credit freeze, I was not able to do do- the website asked me to call customer service which I did and immediately the service agent tried to sell me XXXX credit monitor service which is bunch of XXXX- I know my right- I asked him to place freeze on my account and he put me on hold- again and again ; after 20 minutes he said he can't do it so transfer me to 2nd agent and again after another 20 minutes- nothing was done and we got disconnected. this is a joke- the other 2 credit agency have no issue of me doing online credit freeze. 

equifax- this is terrible for what happened to me- tried to sell me monitor service instead of take care of me as a consumer over the phone- I need an answer on what's your business model and where is my right on able to place credit freeze free of charge
Complaint sub-issue: Debt resulted from identity theft

Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.