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

XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT.
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the account XXXX XXXX XXXX with XXXX and Equifax for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Complaint sub-issue: Account status incorrect

Equifax and XXXX stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.
Complaint sub-issue: Report provided to employer without your written authorization

In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today, XX/XX/XXXX, I received a response to my CFPB complaint against Carmax, via certified letter. It reflects wrong dates, scenarios, etc. It failed to address my identity theft that they are involved with. I was prevented from speaking with a supervisor, when I called them today in response to this letter. The letter clearly is not factual or correct in any way. I can clearly see, no actual investigation was done by Carmax. It claims a letter was sent to me, XX/XX/XXXX, this one I'm assuming, and that I failed to respond to their letter. To clarify, this is the first letter I've gotten from them, six days after their own reference to their letter, that I'm seeing said letter. It is also dated XX/XX/XXXX, before my submission of my cfpb complaint against Carmax. I'm unsure how that is even possible. The dates and details are both fictitious and wrong. I was not allowed to speak to a manager, when I called their alleged fraud department. I am a fraud/identity theft victim and already submitted my police report to them via the cfpb, which they also claim to not have received. Attaching my police report, AGAIN, since they seem to have lost it, and recent communication from Carmax, for the records of the CFPB.
Complaint sub-issue: Debt resulted from identity theft

I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. 

The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. 

The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I only used my credit card once by best buy citibank and it was a XXXX balance until they allowed XXXX  to rack up charges of XXXX i disputed the charges and they took them off then they sent me a new card and then they allowed XXXX  to make more charges to my account when i said that they were fraudulent the first time the bank refused to let me close the account bc they said there was a investigation and second my credit card limit was XXXX i dont understand how they allowed them to charge more than my limit i was never notified of someone making these charges i cant see how they can make me liable for charges i did not make
Complaint sub-issue: Card was charged for something you did not purchase with the card

Discover dispute department doesnt know how to handle fraud transactions. They kept on applying all the fraud charges I reported. I was a victim of identity theft and they dont even recognized that.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Complaint sub-issue: Information belongs to someone else

A unauthorized student loan is reporting on credit report that was not known nor authorized by me
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/XXXX, I received a direct mailer from KeyBank offering a {$400.00} promotional reward for opening a checking account. The promotion code on the offer was XXXX. The requirements were that I open the account before the end of XXXX, have one automatic deposit in the amount of {$500.00} in the first 60 days, and pay {$40.00} for membership in the rewards program. On XX/XX/XXXX I stopped by a local KeyBank branch in XXXX Colorado and opened a checking account depositing {$50.00}. The branch representative admitted he had never seen the offer previously. He made a copy of the promotional mailer I received and attached it to my account paperwork. 

In XX/XX/XXXX, I received an email from KeyBank informing me of what I need to do to earn a {$200.00} bonus. The amount and requirements were different than I had signed up for. I then contacted KeyBank via email to find out why the promotion changed and they proceeded to tell me I signed up for promotion XXXX and not XXXX. After elevating this issue, I was then contacted by the branch representative at the local branch in XXXX, Colorado and he assured me he had fixed the issue and that I should receive the full {$400.00} promotional reward 90 days after the automatic deposit hits. On XX/XX/XXXX, he also withdrew {$40.00} from the checking account to pay for the membership in the rewards program required under promotional reward XXXX. On XX/XX/XXXX, the first automatic deposit for {$500.00} hit the account completing the requirements for earning the {$400.00} promotional reward. 

On XX/XX/XXXX, after 90 days had passed since I completed the requirements for the promotional reward, I again contacted KeyBank to inquire into why I had not received the {$400.00} promotional reward. I again received the same response I initially received in XX/XX/XXXX. I had not signed up for promotional reward XXXX and I had not completed the requirements for receiving the {$200.00} bonus for promotional reward XXXX. At this point, I'm done with KeyBank. I believe they are running a bait and switch scam. Instead of receiving a promotional reward that I earned, I paid them {$40.00} for a lame rewards program. I intend on closing my account immediately. At the minimum, I believe they owe me {$40.00} as a refund of the rewards program I was tricked into joining. I would prefer to receive the {$400.00} promotional reward that I earned, but my health is important to me and I don't want to spend the next year fighting this bank. I have a feeling I'm not the first person that they've scammed and they probably have experience fighting these complaints. They should be shut down.
Complaint sub-issue: Account information incorrect

Conns XXXX is in violation of FCRA, 15 USC 1681m because I was never notified that an adverse reaction was going to be taken on my consumer reports. An adverse reaction of late payments on this alleged debt was reported on all 3 of my consumer reports.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I received an email that Citibank lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now Citibank is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within 1-2 months max. None of this recent actions are justified.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX is trying to collect money from me that I dont owe. I open up a business account I was told I had 7 days to return the phone if I decided to close the account the only thing I would be charged would be a restock of {$5000.00} for the phone. After thoroughly thinking I decided to return the phone and end the contract within the timeframe they gave me..I was charged the {$50.00} restock fee. I thought everything was over. I started getting letters that I owed over {$300.00}. I was shocked because I never made a phone call on the phone.I called and the representative told me where he saw that I returned the phone in the timeframe allowed and saw my {$5000.00} restock fee. I was even told they would have never accepted the {$50.00} restock fee if I didnt return the phone and cancel the contract within the timeframe. I was happy to her that. The representative said he will notate and I shouldnt get anymore letters concerning this. Well now I have a letter from a collection agency stating I owe XXXX XXXX XXXX {$300.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have followed up with two Affidavit of Truth to try and bring this litigation to an end before going to court for defamation of character. My consumer rights are being violated.
Complaint sub-issue: Reporting company used your report improperly

In accordance the Fair Credit reporting act XXXX  account # XXXX or account name 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 report agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

Green Sky is false reporting to the credit agency that my account is still open and I that I have a balance. I do not have a balance with this company and this account is paying in full they keep reporting to the credit agency like i've only made one XXXX payment which is not true the account is paid in full and should reflect that. I filed several disputes and they keep lieing to the credit agency. They need to fix or face legal action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to report that my identity has been stolen. I have reason to believe that someone has fraudulently obtained my personal information and has used it to open accounts, obtain credit, and make purchases without my knowledge or consent. I have also noticed inquires on my credit report that I did not apply for. These inquires are listed below with the respective dates and companies : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX MT XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX on XX/XX/XXXX 2022
Complaint sub-issue: Debt is not yours

XXXX  XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX  XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. 

ERC now XXXX  XXXX deleted the item, and then renamed its business to add the account back to credit file.
Complaint sub-issue: Account information incorrect

XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, Equifax, XXXX & XXXX. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, Equifax and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, 0 delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.
Complaint sub-issue: Information belongs to someone else

The following credit inquiry listed on my Equifax credit report is fraudulent, unauthorized and not my credit inquiry : XXXX XXXX, XX/XX/2020.
Complaint sub-issue: Didn't receive notice of right to dispute

Company calling Stating I owe a debt I wasnt aware of it not the debt Even old to the XXXX Jefferson capital Llc owed to them I dont owe them I sent a letter asking for original contacts no information came yet a still reporting on my credit report the company name is Jefferson capital Llc
Complaint sub-issue: Reporting company used your report improperly

Complaint : ( XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, 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. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 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.
Complaint sub-issue: Account information incorrect

I checked my credit report and I have a negative 28points meaning 28 points subtracted from my Equifax credit score for XXXX XXXX it reads a remark is added to your account from XXXX  XXXXI called XXXX XXXX I was told everything was fine on there end. I called Equifax ( thats the only one reporting this so far XXXX they said it came from XXXX XXXX. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.
Complaint sub-issue: Debt was result of identity theft

I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report