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

I was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XX/XX/XXXX/XX/XX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
Complaint sub-issue: Other problem getting your report or credit score

I have tried several times to request a copy of my consumer report from sage-stream via their website and my mail. I was advised that i would received it within 10 days from the date of the request. I requested the report twice in XXXX and twice in XXXX of 2020 and XX/XX/2020 with no luck. I demand that this company send me a copy of my consumer report via mail immediately as it is my right as a consumer to have a copy of such file.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with XXXX and equifax XXXX times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Unable to open an account

So I owed my previous Pnc bank {$150.00} and some changes. I paid them already thru the phone and my bank account was closed on XX/XX/2022. But I still got a warning report that I still owe them money. If I already sorted out everything with my bank account then why am I still unable to open a bank account in other banks? I called my bank and they told me to tell you guys to update the report. I'm so frustrated bout it. Please reply me as soon as possible.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$4300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

US bank Claim # XXXX I had contacted US bank on XX/XX/XXXX at around XXXX and spent 45 mins explaining the dispute situation wherein I was disputing the charge from XXXX for {$390.00} out of which I was disputing only {$190.00} which is half the amount. 

Originally I had purchased two pairs of XXXX XXXX from this merchant {$190.00} each which totaled to {$390.00} for 2 pairs. I received only 1 pair so I called XXXX and they refunded me for one pair that was missing and that was {$190.00} and then 1 day after I tried to return the second pair which I had actually received but I couldn't as XXXX deactivated my online account and told me that they wouldn't activate it so if I wanted the money back the only way to do that was to dispute the remaining {$190.00} with my bank and I explained this entire situation to " XXXX '' who claimed to be the manager at the US bank card member services and he assured me that there won't be any mishaps. I spent 45 mins on the call, but guess what US bank closed my dispute saying that XXXX already gave you a refund of {$190.00}. 

Are you seriously XXXX? Neither XXXX nor the adjustor are fit to be in the job they are. Has the adjustor even looked at this properly before closing this out and when I called back on XX/XX/XXXX at XXXX EST the lady I spoke to dint even care. I told her I will go to CFBP and she said go ahead. This is ridiculous. Her name was XXXX. 

US bank has the worst customer care agents and is the toughest bank to deal with. 

I had clearly mentioned that I am disputing the other half which is {$190.00}. 

Claim # XXXX I need my {$190.00} back
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by XXXX XXXX XXXX in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

XXXX XXXX XXXX Account number XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.
Complaint sub-issue: Debt was result of identity theft

I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.
Complaint sub-issue: Reporting company used your report improperly

From XXXX through the end of XXXX XXXX, Equifax 's computer systems were compromised by hackers, who were able to access the most sensitive personal financial data from 143 million Americans, over 58 % of the adult population. While at this point, the impact is unclear, potential financial hacking with incalculable damage to is possible against any and all 143 million individuals for years to come. 

I am deeply concerned about this, and am contacting the CFPB to ask for official hearings and regulations be set up to impartially investigate the breach, force Equifax executives to account for their negligence before, during and after the breach, and most importantly, to set up much stricter laws for future data security for all Credit Reporting companies. This data is the equivalent of our personal health information, yet why is there no equivalent of HIPAA? It is unconscionable at this point in history that such lax oversight and unaccountability is allowed for Equifax and other such agencies.
Complaint sub-issue: Information belongs to someone else

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have an account with PNC Bank. I have been trying to link my debit card to my XXXX account so XXXX XXXX can be deposited into XXXX XXXX but PNc has blocked this ability. I want to be able to link my card to XXXX ( through XXXX ). Ive tried to discuss this with PNC and they wont permit it.
Complaint sub-issue: Reporting company used your report improperly

As per my rights all the information in my credit report should be accurate and verifiable.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have already notified Macy 's and XXXX XXXX XXXX XXXX that this credit card was used without my knowing or permission. My now estranged wife had even used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. Citibank even recognized this and deleted the Citibank entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/XXXX. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. I opened this account on the day I purchased our wedding rings on XX/XX/XXXX solely to get a discount. That is the only charge that I am responsible for and I made that payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX confirmation # XXXX. At the very least I should not be responsible for all of the in-store purchases that she made on my credit card because the employees failed to verify her ID against the name on the credit card. This is a practice that has disappeared in recent years and when my ID is checked I am thankful for merchants doing their due diligence.
Complaint sub-issue: Information belongs to someone else

A fraudulent account from XXXX/XXXX, XXXX CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received a letter dated XX/XX/XXXX from IC System alleging that I owe them {$220.00}. I have never done business with this company nor have I ever heard of them until I received this notice. I sent a letter to IC System requesting debt validation as per the FCRA. IC System responded to my request on XX/XX/XXXX by sending photo copies of a cable bill, with nothing bearing my signature, and placed this account on my credit report. 

On XX/XX/XXXX I sent another letter to IC System informing them that according to the FTC opinion letter from Attorney XXXX XXXX XXXX, photo copies of an old bill does not constitute verification. This letter was signed for by XXXX XXXX at IC System on XX/XX/XXXX. 

As of today, XX/XX/XXXX I have yet to receive any type of communication from IC System. This alleged account still remains on my credit report and is being reported by XXXX, XXXX, and XXXX. IC System is in violation of the FCRA & FDCPA. 

I am requesting that this account be immediately deleted from my credit report because it is causing damage to my credit file.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Complaint sub-issue: Account information incorrect

This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.
Complaint sub-issue: Can't use card to make purchases

I had made purchases with my card and would never receive my items so I would have to file a dispute with the credit card company. I went to make a purchase last week and my card would not work. I logged on to my account and spoke to someone via chat and they told me my account was closed. She said I would get a letter telling why but, I have not received this yet. I asked when I would receive another card and she said I would not be getting a new card.
Complaint sub-issue: Was not notified of investigation status or results

I sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.
Complaint sub-issue: Reporting company used your report improperly

As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).
Complaint sub-issue: Account information incorrect

On XX/XX/2022, I contacted the bureaus regarding the inaccurate reporting of some accounts, one of which included an account from XXXX XXXX with an alleged owed amount of {$260.00}. A letter was sent to XXXX and Equifax using the METRO 2 Compliance Standards challenging the reporting of this account as XXXX had already removed it. I received their " debt of Validation '' showing how the account was verified as " valid '' however, I noticed that they were reporting 2 different service addresses with no unit number. I sent a letter to them on XX/XX/2022 in regard to the discrepancy and received a collection letter from XXXX on XX/XX/2022 in regard to the XXXX account.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by Citibank and the XXXX for them hang up before anyone answers.
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX I made my first transfer to betterment for {$20000.00}. On XX/XX/XXXX, I made a second transfer for {$1100.00} but betterment pulled it from the wrong account so it was returned. I re-initiated the transfer from the correct account on XX/XX/XXXX. On XX/XX/XXXX I received an email stating " Weve temporarily suspended your account for your protection. '' I immediately sent them an email asking why my account had been suspended. I contacted the " accountsecurity '' email address provided. When I call their account security team and attempt to get a hold of a representative regarding account access it simply says to email them. On XX/XX/XXXX XXXX email accountsecurity again and let them know no one has responded to me yet, and they inform me to call their support line and speak to someone on the investing team. I called and spoke to a support representative on XX/XX/XXXX and I answered some questions regarding my account activity and was under the impression that my access would be restored and that I would hear back by the end of the day. On XX/XX/XXXX after not hearing back I called again, and went through the same process, assured I would hear back by the end of the day. Today, XX/XX/XXXX I called a third time and was told that unfortunately my account has been permanently suspended. There is no manager for me to talk to, no one that I can discuss this issue with.