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

Im 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 is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Didn't receive terms that were advertised

I received a mailer at my home from KeyBank offering {$400.00} bonus to open a checking account and deposit {$500.00}. I opened the account and deposited {$500.00} via Keybank 's website on XX/XX/XXXX, and I entered the offer code on my mailer at that time. I have not yet received my bonus. I called and emailed and was told that the offer code was not on my account, and I needed to visit a branch to get the offer code added to my account. I visited a branch ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) on Friday XX/XX/XXXX and the banker added the information to my account. She told me she would call me in a few days with an update. She took a copy of the mailer and my driver 's license to make sure the name matched. She also said that some of the mailers require a direct deposit to satisfy the bonus, but she noted that mine did not. I still haven't heard from her.

I followed up by online message to Keybank on Thursday XX/XX/XXXX to ask when will I receive my bonus. Under the terms of the offer, it was supposed to be within 90 days of account opening, so I should have received the bonus by XXXX. Also, If I had received the bonus then, I would not have been hit with an inactive account fee on XXXX, because the bonus would have counted as account activity. 
XXXX at KeyBank responded to my secure message on XX/XX/XXXX to say " I have reviewed your account at length and I am sorry to say that I do not see that the offer code was added to your account. Since the offer code was not on your account, you are not eligible for the offer. We are not able to add the code and make the offer available to you at this time, as the 60 day window to qualify for the offer has closed. I understand that this is not the answer you were looking for and I do apologize. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. '' This seems blatantly unfair. I received an offer in the mail, I complied with the terms of the offer, and now KeyBank is refusing to honor it, claiming that " you are not eligible fro the offer. '' It's not my fault if their website doesn't work. I wonder how many other consumers received mailers like me and are now having to fight to get the bonus they were promised. 
I have been paying monthly fees to have this checking account, which I never would have opened if not for this bonus offer.
Complaint sub-issue: Was not notified of investigation status or results

there are unauthorized inquires and other account problems as listed in attached XXXX  doc
Complaint sub-issue: Reporting company used your report improperly

Today, X/X/2017, I found out that there was a security breach at Equifax. Equifax setup an application to check if anyone was impacted by submitting their last name and last 6 digits of SSN. I found that I may have been impacted while my wife was not.
Complaint sub-issue: Problem with fees

In XX/XX/XXXX, I purchased windows from Home Depot under a 24-month interest free promotion, with payments representing 1 % of the principal balance for 24 months. For the next XXXX months, I made those 1 % payments from my checking account using an autopay feature, to Home Depot Credit Services, through Citibank US NA. Home Depot erroneously set the promotion to XXXX  months instead oXXXX XXXX causing my monthly payment in XX/XX/XXXX to skyrocket from the 1 % of the principal balance ( about {$140.00} ) to {$620.00}. The principal balance was also increased to reflect the interest that had accrued over the past 12 months. 

Of course, I contacted Home Depot Credit Services immediately about this, and throughout the course of many follow up phone conversations, Home Depot acknowledged the error, and assured me that they would correct the problem, adjusting the {$620.00} charge down to the 1 % and correcting any adverse credit reporting. Around the late XXXX timeframe, Home Depot indicated that they would need to turn to their " Utilities Team '' to correct the account information, which could take several days.

As recently as about two weeks ago, I contacted Home Depot again because in spite of the assurance I received in XXXX, the XXXX statement still showed that I owed {$790.00}. I again contacted Home Depot immediately, and the representative with whom I spoke indicated that the Utilities Team had corrected the problem, that I was back on 1 % monthly payments, and the erroneous {$790.00} had been eliminated. That was exactly the outcome that I had hoped for. Before I ended the call, I resumed auto payments, starting with the minimum payment due of {$35.00}. It struck me as a low number, but I assumed that it had been reduced because of some adjustment, which of course I did not object to. 

Early this morning I happened to check my checking account balance, and was shocked to discover that Home Depot had deposited a paper check issued by Citibank for {$790.00}. It was dated XX/XX/XXXX. On the signature line it states, " Authorized by your depositor XX/XX/XXXX. '' This, of course, was not true. On or about that date, I had authorized ONLY the minimum payment of {$35.00} ( which was taken from my checking account ), and then the monthly auto-payments of 1 % of the principal balance thereafter. 

Please help me address this issue, since I was unable to do so effectively. My credit score has also now been negatively impacted because of Home Depot 's mistake in charging me {$620.00} in XX/XX/XXXX, which my refusal ( and quite frankly, inability ) to pay resulted in a late payment report to the credit bureaus. 

Thank you very much for your attention to this matter. 

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

To Who Can Help me, I sent in letters to a bureau equifax about inquiries I never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX-account # XXXX ), has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX a debt collection notice was received from XXXX XXXX XXXX XXXX XXXX. Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company XXXX XXXX XXXX XXXX persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.
Complaint sub-issue: Information belongs to someone else

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX reported that on XX/XX/2018, an inquiry to my credit file was made by : XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, NJ XXXX This alert was conveyed to me by XXXX - through XXXX XXXX. 

Upon research, the XXXX XXXX XXXX ( XXXX ), which referred to the company as XXXX XXXX XXXX, had rated this company with an " F '' and indicated that there were 50 complaints against the business. Further research revealed numerous consumers documenting online at various website about multiple inquiries to their credit file by this company even though they had not applied for a mortgage.

I also did not apply for a mortgage on XX/XX/2018 nor have I had any business in the past with this company.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke to Equifax on numerous occasions regarding a split file. The managers a d special handling department refuses to fix my credit file causing a decrease in my score. If this is not resolved I will take legal action.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.
Complaint sub-issue: Deposits and withdrawals

I have filed a dispute three times with PNC bank. The first was in XX/XX/XXXX after I received notification from XXXX that they had filed for bankruptcy. It was denied by the bank for not enough information. I put in a second request in XX/XX/XXXX and provided documentation to support my claim and it was denied again. I provided documentation from the lawyer in which it states that by law the bank has to refund my money due to the company filing for bankruptcy during the third request two weeks later. Nothing but the same circle from PNC. They have been provided with the chargeback codes and everything but they are just sitting on it.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX my Equifax Credit Score was lowed by 41 points with n0 inquiries no info at all new reported to cause this. Equifax does not have an answer to that so my 41 points should be reinstated. I also opened a Revolving line of Credit for XXXX with an opening balance of {$67.00} on XX/XX/XXXX. This has reported to XXXX as well as XXXX but Equifax can not seem to find the file. I HAVE THAT FILE and the Company received confirmation it was received on XX/XX/XXXX. There was no reason for my Equifax ONLY credit score to lower by 41 points over night. They also have not updated records that were sent to them previously. This has caused me to lose my possible Mort age for a Home. They can not tell me why it was lowered by 41 points  when the other 2 credit Bureaus have updated with no issues. I was a victum of Identity theft with the EquifacxData breech and they are doing it to me again now. This has caused irreversible damage in 1 day. I merely would like an explanation to give to my Lender as to why it fropped and my % XXXX Revolving line of credit is not showing at all. I would like this updated and I would like an explanation as to why my Equifax score dropped on XX/XX/XXXX over night. No one can seem to tell me why.
Complaint sub-issue: Trouble getting, activating, or registering a card

I find this very ridiculous that I don't have access to my own money because you guys wanted to put it in my mother name the prepaid MasterCard so I do not find it fair that I have no access to my own money please resolve this situation as soon as possible because I would love to have access to my own working hard money please and thank you also I do not want a payee either I would like to be my own payee because I'm also a human being who deserves her freedom as well and free speech of the United States of American. Also I believe everyone deserves to also have more freedom and also more money in their pockets as well I do not appreciate or find it fair that I'm struggling with my own money you guys are not being fair and you guys are giving me the end of the stick I prefer the the whole benefit not half of it thank you very much.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 4. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. Account Name : DPT EXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. Account Name : State Employees XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the unverified account listed below is stil lreporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX
Complaint sub-issue: Reporting company used your report improperly

I have made disputes to Equifax to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with Equifax, including an XX/XX/XXXX dispute through the CFPB about Equifax not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the Equifax XX/XX/XXXX dispute investigation. Equifax confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to Equifax by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem have indicated that nothing else matters, including the privacy of my medical information. 

Equifax has indicated as a result of the XX/XX/XXXX dispute through the CFPB that they require the data furnishers to certify that they have complied with the law regarding dispute results. Otherwise I received no indication from Equifax that the medical information that has been compromised and continues to be will be protected or removed.