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

XX/XX/XXXX Re : Confirmation # : XXXX Hello, In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests. 
They should be removed ASAP. They are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX These inquiries that may impact my score are to be removed or investigated at once. I did not authorize any credit inquiries with these businesses nor do I have any open credit/trade accounts with them at all! 

Also, you are still reporting an account that does not belong to me. It is : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, NC XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
Complaint sub-issue: Attempted to collect wrong amount

The debt that was sold from Best Buy Card Services, financed by CitiBank, to XXXX XXXX XXXX XXXX was {$6300.00}. XXXX XXXX XXXX XXXX is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, XXXX XXXX XXXX refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.
Complaint sub-issue: Information belongs to someone else

MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.
Complaint sub-issue: Account status incorrect

This occurred from XX/XX/XXXX-XX/XX/XXXX The company is Seterus INC of XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. Seterus has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( Seterus ), and even had a credit helping agency work on our behalf, but Seterus will not remove it, and it is false and erroneous.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I informed XXXX XXXX that my debit card had been used fraudulently debiting my account near XXXX in 3 separate transactions to XXXX XXXX on the XXXX and XX/XX/2018. I contacted XXXX XXXX and filed a complaint and subsequently filed a police report. I contacted XXXX XXXX and filed a dispute and promptly faxed over a signed statement and copy of the police report. Complaint filed XX/XX/2018 fax received and added to my file XX/XX/2018. I asked about a provisional credit to pay my rent and avoid fees and eviction and have been told continually that I may get one after the XX/XX/XXXX but that it is not guaranteed in any way. I asked them why federal regulation E didn't apply to my account and my dispute and have been continually told they are not a bank they are a preloaded debit card and provision E doesn't apply to my account and that i may receive this credit sometime in the future. They have been informed of my eviction and loss of my home and I've taken all necessary and reasonable steps to accommodate them. XXXX XXXX is making me a victim a second time and causing me through there refusal to follow federal law to lose my home and possessions as I am literally broke and without transportation and now without a home. Please help, this is wrong and needs to stop, your bank should protect you not revictimize and punish their card holders. I've called level one and level two support five times each day for the last four days to no avail. 
Please help. 
Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


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

My information was leaked by the Equifax hack which is information that will affect me forever, however, they have no solution to protect my credit reports. The only thing they offer is to protect it for a year after which I have to pay them for the service -- essentially, they are charging me to protect my data that they leaked.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report, Its been far over 30 days and I have not received any investigation results.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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: 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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : 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: Attempted to collect wrong amount

XX/XX/XXXX org amount {$7000.00} XX/XX/XXXX new amount {$10000.00} Contacted IQ Data International XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- XXXX. 
XXXX XXXX XXXXXXXX AZ Ask for medical release due to emergency XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX BANK, XXXX   XXXX BANK, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX  XXXX BANK, XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX BANK XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX, Bankruptcy : XXXX XXXX, Chapter XXXX bankruptcy XXXX.
Complaint sub-issue: Investigation took more than 30 days

I call Equifax and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry.
Complaint sub-issue: Cashing a check

On XX/XX/XXXX I called Citi bank for a fraud involving my account. I took a job offer that I received from my college university stating that the job was from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The employer instructed me that I will be receiving checks that are donations and that I will have to send those donations out to orphanages via XXXX. Starting XX/XX/XXXXI started getting checks that are worth {$2500.00} til XX/XX/XXXX, totaling up to XXXX checks each worth {$2500.00} ( {$10000.00} in total ). Citi bank have put in the funds and notified me that they accepted the check in my account, therefore I have sent out the money via XXXX as instructed by my employer of the same amount of {$2500.00}. By the fourth check which was deposited XX/XX/XXXX, I get a notification on XX/XX/XXXX from my bank saying that my checking account is negative and it is due to the fact that the last check of {$2500.00} got voided and I already sent out the money through XXXX as instructed. I gave Citibank a call to file a fraud complaint and they said that the rest of the XXXX checks with a total of $ XXXXfrom before will also be voided once it gets cleared by the bank and will deduct it from my checking account totaling up to {$10000.00} for all XXXX checks. They said they cant file a dispute as it is a mobile check and by law banks have to put the funds in my account when a check is deposited whether or not it will go through once its been cleared. They then transferred me to XXXX department for the XXXX transactions that I was told to send out. They asked me a few questions such as if I authorized the transaction, and I told them that that is what I was instructed to do from my employer. I only got a notification from XX/XX/XXXX that the check was voided when all the money has been sent out to the designated person via XXXX. They said that I do not qualify for a refund and they will send me a letter through mail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within XXXX  days.
Complaint sub-issue: Investigation took more than 30 days

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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

n accordance with the Fair Credit Reporting 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: Unable to open an account

Logged onto my account. Was offered free checking product. Answered a few website questions and the result was denied a free checking product. 

Followed up with XXXX from Betterment by email, she told me unable to tell me why can't open a free checking.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting a fraudulent account called XXXX XXXX XXXX for {$130.00}, i believe my information was apart of the equifax data breach i've never done business with XXXX XXXX  XXXX, i never signed a contract or gave permission to XXXX XXXX XXXX to access my social security number or personal address.
Complaint sub-issue: Problem accessing account

I need a advance on my check but its denying me from using a app i`ve used with my account plenty of times
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptvy from my public record Validate Account XXXX Please remove this bankruptvy from my public record Validate Account XXXX Please remove this bankruptvy from my public record
Complaint sub-issue: Reporting company used your report improperly

Reference Number XXXX. Chapter XXXX Bankruptcy Bankruptcy chapter XXXX XXXX ( successfully removed from XXXX and Equifax ) 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: Their investigation did not fix an error on your report

( 1 ) What happened? 

On XX/XX/2017 I disputed my Bankruptcy with XXXX XXXX XXXX XXXX. 

It was deleted on XX/XX/2017 Rpt. # XXXX. 

The Bankruptcy was re-inserted XX/XX/2017. 

I have called Equifax and I have been trying to get a hold of the situation regarding the re-inserted Bankruptcy. The refuse to acknowledge the FCRA Legally Binding Laws.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax refuses to follow the law and investigate my disputes. They do not even respond within 30 days, they don't respond at all.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Don't agree with fees charged

I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.