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

I am a victim of Identity Theft. I have requested to the bureaus on numerous occasion for the removal of fraudulent items that appear on my report. Those items are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To this day they have not been removed, and the credit bureaus, along with the creditors have no provided me with actual proof that I created these items. They have not produced any signature, or signed contract. I want these fraudulent items removed from my credit reports.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX-Balance {$0.00} XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$8400.00} XXXXBalance {$18000.00} XXXX XXXX-Balance {$230.00} XXXXBalance {$510.00} XXXX-Balance {$720.00} XXXX  XXXX-Balance {$1300.00} XXXX-Balance {$230.00}
Complaint sub-issue: Account status incorrect

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than EQUIFAX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Indirect We Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There were fraudulent accounts created, once I was aware the accounts were closed. I also stated that these were to be deleted or removed and they remain on my credit profile and they were not authorized at all by me. These accounts were all done in fraud I have sent letters emails and phone calls
Complaint sub-issue: Information belongs to someone else

There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXX XXXX credit card XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX : XXXX I need these items deleted from my report as a victim of identity theft. 
These inquiries are not valid or authorized for any open accounts. Please provide proof of authorization on inquiry or delete as a violation of my FCRA rights. 

Do not add any additional personal statements at this time. Do not add any alerts. 

* Inquiry : XXXX XXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 * Inquiry : XXXXXXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 * Inquiry : XXXX XXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 FTC REPORT XXXX ADDRESS PROFF ATTACHED*** Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
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 {$3500.00}, {$2900.00}, {$6000.00}, {$2600.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Complaint sub-issue: Company closed your account

Without getting any warning, XXXX XXXX XXXX XXXX closed my account of almost 29 years. The credit card had not been used for over a year, since it is my emergency card and I havent needed to use it. 

Ive asked them to re-open the account, but I get a series of excuses. Since this was a card without a yearly service charge ( a remnant of my of job with XXXX XXXX XXXX ) and I always paid it off monthly, I suspect that this it was deemed unprofitable to keep it open.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.
Complaint sub-issue: Investigation took more than 30 days

1. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, WI BANKRUPTCY 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: Problem with customer service

MOHELA acquired my loan from XXXX recently. It is almost impossible to reach them by phone, there is constant loops blaming the popularity of the federal program ( basically, they are blaming the federal government ). When I was able to reach someone once, they claim to not have my XXXX information from XXXX. I have absolutely no confidence in this organization and I fear I'll miss the XXXX deadline.
Complaint sub-issue: Didn't receive terms that were advertised

Bank of the West has advertised a promotion that if you open a new checking acct. and have a qualifying direct deposit and also monthly transfer to savings acct., you will get a bonus of {$100.00} and if you make 10 additional transactions within the next 2 months, you will get additional {$50.00}. I hurriedly open the acct.on XX/XX/XXXX before the XX/XX/XXXX deadline made {$250.00} direct deposits to my acct.by XX/XX/XXXX however after 1 week of acct. opening. They issued another promo stating that if you make {$250.00} deposits for 4 rolling months you will get additional {$250.00} I called up branch and they said I am no longer qualified as I am now an existing customer. 
Isn't this deceiving? Shall I close my new acct. and re-open again. 
I would like to take the {$250.00} promo instead of the {$100.00} promo as advertised.
Complaint sub-issue: Information belongs to someone else

I sent the XXXX credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX  {$5300.00} XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Good Afternoon, I purchased shoes in Macys in New York XXXX XXXX on XX/XX/XXXX for vacation to XXXX and then a cruise. When I got to Florida on XX/XX/XXXX, I saw the shoes the Macys associate put in my box were the same feet. So I went to the XXXX XXXX  Macys store in Florida and returned the shoes and bought new pair of the exact same shoes with the right feet. The associate took my receipt and told me I would receive a check for the refund from Macys for the shoes I bought in New York and she processed the return for the shoes. The associate gave me a new receipt from XXXX XXXX  for the second pair of shoes, which I attached the receipt to this email. I never received the refund check for the pair of shoes I returned. 

I called Macys at the XXXX XXXX in Florida where I made the return and got the right pair shoes and they said to contact Macys customer service if I dont receive in 3 Weeks. I still did not receive a check and Im out {$51.00} because I paid for the same pair of shoes twice. 
If Macys provided you with the receipt from XXXX XXXX XXXX in New York you will see I purchased the exact same item in Florida. 
Macys keeps bouncing me around. I disputed the card with Citi the merchant responded and Citi asked me for my return receipt. Despite the fact I let them know the lady took my original receipt and made the return. I only have a receipt for the pair of shoes I purchased in Florida. ( The exact same pair ). 
Citi bank reversed my credit and now I am stuck paying for the same pair of shoes twice! Citi bank needs to fix this.
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 {$4300.00}, {$7500.00}, {$0.00}, {$54000.00}, {$1000.00}, {$340.00}, {$1100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX LT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Card was locked on XX/XX/XXXX. I sent in identity i formation and it was received on the XXXX. I was rold 5 business days to unlock my account. Called back and was told 10 business days. Called back on the tenth and they told be 15 days. Card still not unlocked. Im receiving payments and can't pay my bills.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Equifax and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Equifax provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Complaint sub-issue: Reporting company used your report improperly

A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting removal of non account holding inquiries from my credit file being that consent ( verbal or otherwise ) was not given or applied to these unrecognizable third parties fro any form of credit or services. On Saturday, XX/XX/2019, I received a reply via USPS mail from Equifax with report confirmation # XXXX stating, A third party may access your Equifax file to assist in underwriting of your request for credit ; if you apply for certain services ; or indicate that you are applying for credit. I neither gave my consent verbally, in writing, or indicated with said companies nor have I applied for any services or credit with said companies with whom these inquiries are listed. They are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax provided these companies with my credit profile fraudulently, and refuses to remove these inquiries from my credit report. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report, including inquiries. Equifax has given my credit report to these third parties listed above and continues to knowingly report incorrect inquiry information masked under consumer consent.
Complaint sub-issue: Problem making or receiving payments

My complaint is regarding Optum Bank. They are the provider for my XXXX. I made a payment in the amount of {$640.00} to XXXX XXXX XXXX XXXX using Optums online bill pay service. The amount was debited on XX/XX/22, but never received by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is asking for a receipt so they can look for the payment ( e.g. check #, transaction ID, etc. ). I just spoke with XXXX at Optum Bank who refused to provide me with any information I would need to find the payment or put in a claim on his end to research the payment. Now I am out the money from my Optum account and still owe the money to XXXX XXXX XXXX XXXX with no recourse for getting my money back. How can I move forward to resolve this and find out where my money is?
Complaint sub-issue: Problem with personal statement of dispute

I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
Complaint sub-issue: Didn't receive enough information to verify debt

This been happening since 2018 different collections agency has been trying to collect a debt that I have with XXXX XXXX XXXX.So I never signed any contract with this company and im an att regular ccustomers now this company IC SYSTEM they keep reporting to credit bureaus that I have a debt and before other collections agencies tried to do the same thing but always have been removed because they don't have any proof of this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX  & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.
Complaint sub-issue: Reporting company used your report improperly

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX