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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not consent to authorize nor benefit tge inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.
Complaint sub-issue: Unable to open an account

I have US Bank XXXX credit card. US Bank sent me an email to open Business checking account ( online ) with promotion ( {$300.00} cash back ). On XXXX XX/XX/2022, I tried opening the account online and it was approved. But I didn't " got any email confirmation about my a/c # and routing #. So i called US Bank twice during last 4 days. Either US Bank customer service is unsure that account opened or asked me to call later. I have no idea what's going on? On XXXX XX/XX/2022 call, I was told that business account can not be opened online.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I tried to dispute two fraudulent accounts reported on my Equifax credit report by a company called XXXX. Equifax denied my request to directly dispute these accounts with them. XXXX is fraudulently reporting payment activity to the accounts in an attempt to commit fraud and circumvent federal and state laws. Equifax is complacent in XXXX criminal activity. No payments have been made to these accounts ever! In XXXX I disputed them directly with XXXX   and they ignored me. Equifax is obligated under the law to allow me to dispute inaccuracies to my credit report and investigate my claims but is refusing to allow me to do so.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/20, I made 8 charges of {$1300.00} to XXXX. They agreed to pay for a hotel reservation on our behalf. On XX/XX/20 we received an email from XXXX saying they have cancelled our reservation. They attached a statement showing a refund for the full amount but we were never given a refund. We have filed disputes for all 8 charges. They have come back and rejected one of the charges, and we havent heard back about the other 7 charges. All 8 charges total XXXX. Please let me know if you can help!
Complaint sub-issue: Information belongs to someone else

There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX BANK XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX  XXXX XXXX- Acct # XXXX-XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX, XXXX & XXXX Accounts XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

XXXX keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX  to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

I couldn't make my mortgage payment due to COVID and worked with XXXX to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.
Complaint sub-issue: Didn't receive enough information to verify debt

I checked my credit report and I see Avante XXXX reporting a collection without validation. I sent out a debt validation letter and still have not received any form of validation. If Avante XXXX can not validate this collection within 30 days, Avante must remove from credit report.
Complaint sub-issue: Account status incorrect

In XXXX, I signed up with the national debt relief to eliminate some debt. In XX/XX/XXXX, I completed my last payment. One of the creditors was Discover Bank Student Loans ( SLS ) ( hereinafter " Discover '' ) and it was the last creditor I paid off. The settlement agreement was established on XX/XX/XXXX. The balance was {$16000.00} ; settlement amount was {$9700.00} ( amount that I paid ) ; and the write-off amount was {$6400.00}. Around XXXX XXXX, I received an alert that I have negative activity on my credit report from Discover. I then got all of my credit reports and found that it showed late payments from XX/XX/XXXX up to XX/XX/XXXX with Discover. I disputed the negative activity with my credit reports and they came back as unchanged. I called the Debt Relief company to figure out what happened, since I already paid off the settlement amount. On XX/XX/XXXX, I found out that my settlement agreement was made on XX/XX/XXXX via certified verbal approval by manager XXXX XXXX at Discover. As of XX/XX/XXXX, my credit still showed as being late on payments for Discover. I called Discover and they said they still own the loan, so I gave them the information about the settlement agreement and a few days later when I called back they said my account was fixed and I had a XXXX balance. Since then, I have tried to get a paid in full letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no success. Every time I call they have some excuse about why I have not received it. My credit report still shows up as negative for Discover from XX/XX/XXXX to XX/XX/XXXX and I've had my credit limit reduced on another credit card due to the reported late payments. I believe Discover has violate the Fair Credit Reporting Act. They furnished and reported old information and furnished and reported inaccurate information.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Complaint sub-issue: Problem getting a working replacement card

I opened up a new credit card with Citi Bank over a month ago. I already have one card with them, and I opened the new card with all the same info ( name, phone, address, etc ) Now, after 6 weeks and hours on the phone and online chat with them, I still haven't received the card. I pulled my credit report and the card is being reported on my credit report to all the bureaus, even though the card is not yet activated and I have never received the card. Is that legal?

One customer service rep today said the card has been returned to them as returned mail twice for wrong address. After an hour on the phone we finally discovered that Citi has a different zip code than is listed on my online profile and account. However, they still haven't changed the zip for me, even though it goes to a nonexistent address. They keep saying the will call me back, but fail to do so. At this point its been over a month, the card is on my consumer credit reports with all the bureaus, and I have no access to it. It doesn't look like I'm ever going to get the card in the mail, and I literally can not get anyone from customer service ( either online, fraud department, customer service department, new account opening department ) to follow up with me and fix the issue. It just seems absurd that no one at Citi is able to fix a Zip Code error that is only showing up on their end. I even tried to just cancel the card, but they said I can't because it isn't showing up on my online profile yet ... because I haven't activated it yet.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX, balance XXXX XXXX balance should be XXXX paid this account off, XXXX XXXX XXXX XXXX balance XXXX this  balance was charged off in 2014, XXXX XXXX  XXXX should be a XXXX   balance paid off
Complaint sub-issue: Debt was result of identity theft

I have submitted a Cease & desist to this company to cease reporting because this account is not mine this account along with another account were opened the same month and deemed as fraud. As a result in the account being fraudulent the company has closed the account how ever they have the account still on my credit report, It has been over 3 months with no resolve .This is a direct violation of The FDCPA pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I have sent my last letter before my next step of litigation and seeking damages for emotional distress and defamation of character I have attached all required items of an identity theft report and the FTC is a law enforcement agency as per their website. I have also sent certified mail and the company has 4 days to delete upon recieval the certified mail tracking is XXXX
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, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 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 fraud alerts

Equifax will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Old information reappears or never goes away

Out of all the three Credit Bureau Equifax continues to report incorrect information on my credit report and lowers my credit score by 100 points from the other reporting bureau. 
Example as of XX/XX/2021 I had a credit score of XXXX and 8 months later that have drop my credit score down to a XXXX. 
I have excellent payment history with all of my active creditors with no late Payments. I have dispute several times accounts thats does not belong to me or should not be on my credit report. They have on my account address and states on my account that I have never lived at in my life. They also us a thirty party company by the name of XXXX XXXX to verify and report information on your credit report. 
Neither of these company actually verify your dispute by contacting the creditor by phone or email and have a full name, Position title and date time they spoke with someone to verify the dispute. They use a computer data base to determine if the debit belongs to you. They report wrong balances and late payments and old accounts that should be on your credit report. 
Equifax has had their data hacked by hackers and stole personal information which means their data base is not protected by the black-web and hackers. With the country highest crime on the web-site with hackers Equifax is not a creditable reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

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

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

On XX/XX/XXXX I was notified that a collection had been placed on my account. Upon review, I saw that the collection was placed by XXXX XXXX in the amount of {$5.00} for a medical bill from XXXX XXXX. I immediately contacted XXXX XXXX and the representative informed me that the collection was for medical services provided on XX/XX/XXXX. I informed the representative that this bill had been paid and that I had 100 % coverage through Medi-Cal for the entire year of XXXX, and that I confirmed with a county Medi-Cal services representative that all medical bills during that period were covered and should not be billed to me. However, the XXXX XXXX representative continued to pressure me for payment and informed me that this debt would remain on my credit report, despite it being paid. Additionally, the XXXX XXXX representative informed me that they were billing me a total of {$340.00} for medical debts incurred by other members of my family. I informed the representative that these debts were also covered and paid by Medi-Cal, yet she continued to pressure me for payment.
Complaint sub-issue: Debt was result of identity theft

Someone hacked into my email and deposited funds into my personal account that was closed. When I was aware of the aware I quickly notified them to cancel and take their money back. They claim that they dont have their money and are contacting me saying I owe close to XXXX. This is a fraudulent payday loan and I want this debt canceled and contact seized.
Complaint sub-issue: Can't temporarily delay making payments

I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF ED/XXXX  # XXXX
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019.  Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Application denied

I applied for a secure credit card on  XX/XX/XXXX . I provided all of the required information and I was still rejected. Discover card discriminated against me prior in  XX/XX/XXXX  also, there is systemic credit discrimination going on at this company.
Complaint sub-issue: Unable to open an account

On XXXX/XXXX/19, I submitted an application to open a savings account following an online targeted ad. The website instructed me to call to customer service. Customer agent XXXX instructed me to send a copy of my drivers license to the banks email address ( unsecured ) to complete verification. I followed up on XXXX/XXXX/19 : representative XXXX escalated my case to supervisors XXXX and XXXX who promised to come up with the decision by XXXX/XXXX/19. On XXXX/XXXX/19, representative XXXX informed me that XXXX made a decision not to process my application because their internal system was unable to generate questions to verify my identity. XXXX refused to use alternative methods of verification ( statements from other banks, text messages on registered phone, copies of other forms of ID or credit cards ). Vio bank refused to send me an official letter explaining the reasons for denial. 1 ) The banks actions violate my FCRA rights. 2 ) Their verification protocol has disparate impact ( based on race and national origin ). The bank refused to open my account as a result of this discriminatory protocol, thus violating my civil rights. 3 ) The bank exposed me to increased risk of identity theft by forcing me to send them a copy of my DL through unsecured channels, even though they knew or should have known that my DL would not have affected their decision. 4 ) Representative XXXX refused to transfer me to their legal team stating that only litigants represented by accredited attorneys have that privilege.