Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX  stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.
Complaint sub-issue: Information is incorrect

I have tried to fix this with the company. 
I purchased this TV in XXXX of XXXX call them in XX/XX/XXXX and ask for a payoff and I pay the TV off. One year and a few months later when i had my Credit report was pulled as I was trying to purchase a house and Conns appeared saying that I was 3 months late I call them they told me what they did with the money that I paid them in XXXX they paid each month note until the money had run out and then they never contacted me and put my name in collections stating that I still owed them money Anyway after all the trying to repair this I pay them another {$900.00} to get this repaired so i could get my credit repair and they said it would take 30 to 60 days to remove it and here itbis a year and im still trying to get them to removed. Can I get help so i can go forward with buying my new house. 

Thanks
Complaint sub-issue: Investigation took more than 30 days

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Complaint sub-issue: Debt is not mine

I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me
Complaint sub-issue: Account terms

Disputed with the XXXX credit reporting companies XXXX Equifax XXXX XXXX but have not received any final response. While Equifax provided a dispute number others did not. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned XXXX personal phone with a pre-paid or pay as you go plan. I came across XXXX such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here XXXX with " {$0.00} on fees & $ 35 monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} XXXX. 
However I ended up receiving an invoice for {$54.00} XXXX that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like XXXX to intervene and advise XXXX & XXXXcredit reporting agency tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by XXXX points.
Complaint sub-issue: Old information reappears or never goes away

creditor still reporting and it's been past the two years of when the inquiry was established. Inquiry from XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I placed a dispute to remove several inquiries however the credit bureaus have not removed them.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Complaint sub-issue: Other problem getting your report or credit score

My credit report is not showing up properly on equifax. Other third parties can not pull it either and nobody seems to be assisting with this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

Fraudulent collection being reported on my credit profile. I never opened any account nor received any service from company in question. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to Equifax and they still failed to remove this fraudulent account from my credit report. Attached is proof that Ive made several attempts to get this fraudulent account removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I noticed in XX/XX/XXXX, that my credit report with Equifax terribly wrong, and it was breached. Unaware of the breach epidemic with the CRAS. I called to dispute some items on credit report, but I noticed that I had several different social security numbers and names showing on my XXXX credit report. I informed Equifax of my XXXX credit report breach. Equifax has verified bankruptcy accounts XXXX & XXXX XXXX XXXX, filed on XX/XX/XXXX & XX/XX/XXXX. Also, XXXX XXXX Co, account number XXXX & XXXX accounts Opened on XX/XX/XXXX & XX/XX/XXXX. This the same company reporting twice with different Opened dates. Fraudulent account, XXXX - {$6400.00} fraudulent, XXXXt {$19.00}, XXXX XXXX XXXX {$4600.00} Student Loans should be removed- account paid in full on XX/XX/XXXX. Remove all inquiries. I am uploading the FTC Affidavit, FTC Creditor Letter aling with DIsputes letter request.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing an error in my personal information with Equifax for over 30 days and they have not corrected the issue. According to FCRA Section 623 it is illegal to report inaccurate information and must be corrected if I have proof. They are reporting my current address inaccurately which has hindered my ability to identify myself to other companies. I need this issue corrected immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX XXXXXXXX bankruptcy should be removed according to federal law from all credit reporting agencies XXXX XXXX XXXX equifax, and XXXX. Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this XXXX XXXX XXXX equifax and XXXX. I would like them removed or i will take legal action.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a request that in fact XXXX XXXXXXXX had to open credit cards in my name one ending in XXXX in the other ending in XXXX. We submitted a letter a suit last month and a payment was made in the credit card that was open XXXX XXXX XXXX submitted a letter to XXXX XXXX not crediting the payment that was made for some ungodly reason We are not sure. The account ending in XXXX along with the other ending in XXXX were both open as stated above without XXXX XXXX permission. This account was recently closed and as you know closing a line of credit or loan of credit on a credit card account decreases a credit score. XXXX XXXXXXXX bank needs to resolve this issue as fast as possible as again their issue originally calls me to get declined for a mortgage application. We are furious about this matter and this needs to be resolved ASAP
Complaint sub-issue: Debt is not yours

I recieved a collection notice dated XX/XX/2018 from Finex Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This is the address and phone # on the notice. Regarding a {$1200.00} debt owed to a towing company. XXXX XXXX XXXX, inc. 
I have had no dealings with said company and no vehicles towed. Tried to call the number given, it was invalid, recording said I need to " unblock my phone ''. I have no block so I XXXX searched. Says company permanently closed. Had a different # XXXX XXXX XXXX. Same recording. May be a scam
Complaint sub-issue: Problem with fees

I was offered this credit card with no fee or interest for one year. It's been 5 months and now they are charging me {$28.00} as a Fee
Complaint sub-issue: Reporting company used your report improperly

On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, XXXX, Equifax, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Complaint sub-issue: Company closed your account

I wanted to start a savings account for a trip later this year, so I decided to open up with Citi bank in XXXX. at first, I put a little money which was {$10.00} after a week I saw the money in the account, so was like ok let 's put the rest of my money into the account which was {$4200.00} or XXXX I waited for another to transfer my money from my checking 's account to my new savings account. I saw the account, now I was like let 's save money every check. this is where the problem started. I'm honestly not sure about the dates and can not look at this because my account is blocked. I put {$300.00} in two times after that it goes through, after a week. I put {$300.00} from my checking into my savings. That didn't happen because it took a whole week for the transaction to be completed so I had insufficient funds when it was being processed, because I spent some of it both times. Next week I try to put the same amount of money into the account same thing happens. here comes XX/XX/XXXX my account is blocked I can't see my transactions, bank statements, cant take or put money in. I call my bank and give them my info, but they put me on hold and said ''we can't give any info on the reason why and you will have the remaining money in the account in 30-60 days in a form of a check. I call again a rep tells me to call their fraud line because they can't do anything further and it was up to them. I call the line she told me the same thing but hangs up on me. so I wait the 60 days now it's XX/XX/2022, and now and here we are, still locked out of my account and they have not sent the rest of my money that was in the account. I don't want anything else besides my money preferably before XXXX.
Complaint sub-issue: Application denied

I recieved a adverse action via email from CONNS XXXX INCXXXX @ XXXX PM. I am the natural person, consumer, original creditor I can not be denied my own extention of own credit.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX rules were broken due to a breach on your platform. Inquiries and certain accounts shouldn't be on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account at bank of the west in XXXX XXXX on XX/XX/XXXX with a coupon, that advertised XXXX dollars bonus if I qualified. I did everything that was required, and advised by the XXXX XXXX, who helped me open the account. 

I opened my account with XXXX dollars and deposited in my account the XXXX dollars required for the following 4 months. Now im being told a bunch of different reasons of why am I not elegible for the promotion. This is false advertisement. 

the promo states : Requirements to Receive Up to {$250.00} Bonus : Open a new personal Any Deposit Checking account at a branch or account application submitted on bankofthewest.com between XX/XX/XXXX - XX/XX/XXXX with any opening deposit amount ( {$0.00} or more ). Opening deposit must be funds new to Bank of the West ( Bank ) received and posted to the account within 30 days of opening. This offer is also available for any other consumer checking account ( minimum to open {$100.00} ). UCB Student Checking and Premier Checking excluded. 

To receive the {$250.00} bonus, customer must make at least one deposit of {$250.00} or more for each of the first four consecutive calendar months following the month in which the account is opened. Calendar months do not necessarily coincide with statement cycles. Two or more separate deposits in a single month that add up to {$250.00} do not qualify. Qualifying deposits must be funds new to the Bank. All deposits must be posted by XX/XX/XXXX.
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 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: Investigation took more than 30 days

I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was XXXX however the Collection Agency was XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act all the accounts listed below have violated my rights, and it is just not fair. it has almost ruined my family and child. 

15 U.S.C 1681 section 602 A states I have the right to privacy, and 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I would only ask for your help. I have no other options. Thank you so much.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX