Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt resulted from identity theft

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX
Complaint sub-issue: Account status incorrect

Discover Bank is showing this account as a charge off with no payments being made for over 12 months. Payments are in fact being made in accordance to the agreement with their legal representation for the past 11 months. I have contacted their legal representative, and they stated that it is not their responsibility to report to the credit bureau, but Discover should be updating the reporting, and that they send them a monthly feed showing the account is actively being paid on for their records. Because of Discover not properly reporting to the credit bureau, my credit score has been negatively affected and almost cost me an employment opportunity. They need to have all of the payments I have made updated to my credit file and update the status from a charge off to active status and make any necessary to the score as well.
Complaint sub-issue: Information belongs to someone else

Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX XXXX and XXXX do not belong on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Account status incorrect

I brought this problem up to first progress about my car being sent to collections I paid the collections and they still have nine charge offs reporting on my credit report I called and asked them to remove and they gave me the runaround
Complaint sub-issue: Account status incorrect

over 10 lines on my credit report asked for consolidation and repayment to match income on my tax return
Complaint sub-issue: Threatened to sue you for very old debt

I received a call from a company phone number XXXX saying they are a lawyer and I know I had a debt with the TCF  Bank back 2007 I think plus it is not on my credit report so I was willing to pay half the debt and get it over with they wanted me to give them my debit card I asked could they mail me out something about this cause I had a friend that someone did the same to her and it was fraud they had my name, social security number, my old address I asked could they mail me out something with the office name but they said it could take up to 7-14business days I asked about email still no respond I gave them my email address XXXX I called back they wouldn't tell me the law office name or who was handling the case can someone please help me if it's true I will pay have of the bill like they suggest just don't want to be scam
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or about XXXX XXXX, XXXX I noticed in my email account that all of my payments " thank you for payment '' and " payment confirmation '' emails back to XX/XX/XXXX, have been Removed ( without my notification ) to make it appear that I have not made these payments, which I definitely have made. I believe that this may be a retaliation tactic for my court case coming up this week against XXXX. I am seriously concerned of this attempt to financially do fraudulent damage to me. I did make many calls to the customer service this past week, for this account and was told that there is a problem resending my the removed emails. I want those emails resent to my email account. This is not an online account but only I get payment receipts confirmation emails. I did do a test small payment of {$10.00} on XXXX to check on the site. The removal of these payment receipt emails I Believe is intentional to harm me legally and financially, I am near XXXX yrs old, XXXX, indigent and have dangerous XXXX XXXX and this situation is causing me enormous duress which can literally XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act These accounts included with date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have 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 written instructions.
Complaint sub-issue: Deposits and withdrawals

I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Direct. Express comerica bank direct deposit for government benifits is a very unprofessional thought it was a scam. Took 22 tries to get to customer service to talk to some one when card was stolen. Never asked me anout last charges no fraud dept. Said they were sending card 2 days 7 days no card called and called and called final getbthrough the card was never sent they cancalled card sent another one 2 day mail after a aweek using card it dosnt work cant use online purchaes gas staion etc. I call again card number invalid tell me to use. XXXX another scam company. What the hell i have a credit card with invalid number they tell me use XXXX are u serious. I had to order another card third card pay another XXXX to get it here in 2 days plus XXXX for replacement card. Its there fault they did something to my card worked then all of a sudden invalud card atm dosnt work either .complete unprofessional scam a bench mark card of us treasury
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 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 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Complaint sub-issue: Can't close your account

Citi Bank sent me a credit card last XX/XX/2021. I have attempted to close it and they will not as I will not supply them with my Social Security number. I never had opened this account and I have been attempting to close it. I recently received a bill from them for use of the card. I was in touch with you folks back last year on XXXX XXXX when I submitted a claim. That ID number was XXXX. This issue needs to be resolved. I have sent Citi Bank a letter as I will not deal with them on the phone any more. This is credit card fraud as I am being held accountable for a credit card I did not apply for.
Complaint sub-issue: Was not notified of investigation status or results

I've sent several letters to XXXX  to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called XXXX  the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from XXXX. XXXX XXXX  accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act 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

XXXX XXXX : Account # XXXX # XXXX REF : XXXX XXXXXXXX XXXXl This company identifying themselves as XXXX XXXX, is harassing me by sending numerous letter and phone calls demanding payment for animal removal service and follow up, completed on XX/XX/2015 and second treatment on XX/XX/2015. The company was paid " in full '' for these services via my XXXX debit ending in XXXX. Yet they continually send out harassing demand letters using two different account numbers with two different amounts cited as due immediately. 

XXXX XXXXXXXX XXXX previously harassed me personally, and after investigating they confirmed that they had indeed received full payment via my XXXX debit card. Now they have evidently sold the fraudulent debt to XXXX  XXXX, who have resumed the constant harassment.
Complaint sub-issue: Reinserted previously deleted info

I previously disputed the XXXX item off of my XXXX & EQUIFAX report on XX/XX/XXXX for XXXX and received the response below : I checked my credit again and it was put back on under XXXX for XXXX in the amount of {$530.00}. 
XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$530.00} Item Results Result : No Longer On File - XXXX has found that the disputed item is no longer on file. 
Dispute Reason Ownership : The creditor agreed to remove my liability on this account.
Complaint sub-issue: Deposits and withdrawals

XXXX deposited a check for just over {$1100.00} in my Citibank account. They then notify me that the check is fraudulentand they close my account. 
THEY THEN CASHED MY CHECK and wont speak to me about getting the funds returned. My legal representative calledthey wont speak to her either. 
SO HOW DO I GET MY MONEY BACK AFTER CITIBANK FRAUDULENTLY CASHED MY CHECK AND WONT RETURN MY MONEY?!!?
Complaint sub-issue: Account status incorrect

Hello, I am here because I have paid off at least 20 accounts from XXXX to XXXX. A lot of these are still on my Equifax report. Even after, I sent over all documents showing that all accounts was paid in full. Some are still showing unpaid on my report they ask to send documents showing that they are paid, sent them the information they asked for and Equifax still have not removed them off my report. Talk to one rep for them gave her my information and she tells me that she don't have enough information to look at my account. 

It's bad when you have all the documents that is needed and Equifax still want removed the account. And I know they can remove the account cause I see some are not on my credit report now. So to say that they can't remove that account is a bold face lie. And it been away over 30 days and like a said the accounts are still on my report. 

Thank you,
Complaint sub-issue: Reporting company used your report improperly

Equifax did not take the necessary steps to safeguard my information, as well as the information of many others. Their recent security breach ( announced XXXX XXXX 2017 even though they were aware in XXXX 2017 ) is unacceptable for an organization that freely collects as much personal data as it does without the consent of the people it is collecting on. My only course of action here is to put a fraud alert on my social security number for the next 90 days and hope that my stolen social security number wo n't be used in the future to steal my identity. I do not wish to utilize the proposed Equifax credit monitoring services because it waives your right to be involved in a class action lawsuits against them.
Complaint sub-issue: Sent card you never applied for

XXXX credit card and I received a card with micro chip in the mail. 
2.XXXXcompany made aware on XXXX 3.XXXX XXXX account opened in my maiden name which I haven't used in over 20 years-XXXX they were made aware the account is fraudulent. 
4.XXXX-mastercard account-I could not contact anyone on the phone about this one. 
5.XXXX debit card=Someone opened this under my first and middle name-reported XXXX 6.XXXX debit card=came with someone elses name on the card-I called and made then aware I didnt open this account. 
7.XXXX bank account-debit card with chip came in mail-made aware on XXXX 8.XXXX XXXX opened a bank account in my name-I made them aware on XXXX 9XXXX XXXX-bank account opened in my name-made aware in XXXX 10.XXXX XXXXXXXX XXXX XXXX opened a bank account-called -made aware XXXX
Complaint sub-issue: Information belongs to someone else

This is an attempt to correct my XXXX, EQUIFAX, and XXXX personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX ACCOUNT # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} Inquiries - XXXX XXXX XXXX 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 am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.
Complaint sub-issue: Other problem getting your report or credit score

Contacted FICO/XXXX/Equifax numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.
Complaint sub-issue: Problem getting your free annual credit report

your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.
Complaint sub-issue: Problem with customer service

I made a request to my loan servicer, MOHELA, on or around XX/XX/XXXX for a refund of all loan payments made since XX/XX/XXXX under the CARES Act. MOHELA was not able to give me the number or amounts of transactions, or a timeline for the refund to be processed. As of XX/XX/XXXX, no changes have been made to my account balance nor has any refund been received. No communication regarding my refund status has been received. A call made to MOHELA on XX/XX/XXXX to request an update on my refund request was refused by MOHELA 's automated answering system. No means of contacting a service representative is otherwise provided.
Complaint sub-issue: Debt is not yours

I have obtained a recent copy of my credit report and discovered this account number XXXX. The account is UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations that appear to be not in lawful compliance to reporting regulations. I understand my rights and I am serving you written notice of my consumer demand checking for your federally required proof of compliance even to the XXXX XXXX data field formatted regulatory reporting obligations of you as a specific mandate due to the XXXX enactment and implementation of the standardized XXXX sponsored XXXX XXXX Compliance rules. The Fair Credit Reporting Act dictates that any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that the account in question was not handled properly. I am enacting both my consumer and my civil rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to provide me with written documentation of the deletion of this erroneous information for not lawfully compliant which obviously in question. You can be assured also that immediately I am also notifying the XXXX XXXX XXXX and Consumer Financial Protection offices in regards to this unforgivable and extremely injurious error in your clear mis-reporting of illegal mis-information
Complaint sub-issue: Was not notified of investigation status or results

This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report
Complaint sub-issue: Information is not mine

I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances. XXXX and XXXX XXXX are fraudulent accounts.