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

This dispute falls under several categories. I had fraud on an active XXXX account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file police report etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX had been trying to collect XXXX to XXXX dollars on a US Bank account I had several years ago that I forgot to close after I moved and was no longer banking with them. I never owed and money or overdraft fees and US Bank was telling me I owed money for not closing the account. When I called US Bank to try and see what I could do to get this off my credit, they had sold the account to XXXX XXXX XXXX This company has multiple complaints with the XXXX for collecting money owed and not paying the debts off. I do not owe any debt! How can I get this off my credit? I ca n't even get a bank account. Please help me. I am a new mother trying to get my finances in order.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 @ approximately XXXXXXXX XXXX  I deposited {$780.00} cash into the PNC ATM located in XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. My Money was accepted by the ATM that then came with an error messaging transaction could not be completed. No receipt was provided of the transaction and my card was returned from the machine. I immediately contacted Customer Service and the Employee was not clear in explanation and advised that this was normal and funds would be available in 24 hours or I could then dispute. I explained this was not normal and 9 times to speak to a Manger which he refused and disconnected the call. I called back and received another Employee who understood the issue and launched dispute. I contacted PNC again on XX/XX/2022 to ask for my funds and was advised that they have 45 days. I requested a provisional credit and was told they do not issue for ATM issues even if it is their fault.. Two of PNC employees hung up on me because I was asking for immediate escalation of the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with Equifax and XXXX had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!
Complaint sub-issue: Reporting company used your report improperly

In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX Account : web XXXX XXXX XXXX # XXXX Account : XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX dept of ed # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Complaint sub-issue: Old information reappears or never goes away

Accounts appears as potentially negative with a open date of 2006.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following is a fraudulently furnished inquiry. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand they be deleted in XXXX days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Complaint sub-issue: Reporting company used your report improperly

In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair Credit Reporting act XXXX  Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, I was alerted that an account that I was disputing and wanted off my credit file was taken off of my XXXX Report and Equifax Credit report via XXXX XXXX and the reporting credit bureau 's moneriting sites. I then recieved another notification that it was again removed XX/XX/XXXX which was good news. The Company XXXX XXXX which is a closed account requested that the account be removed and it was. In XX/XX/XXXX I found out the Equifax had re-inserted this information on my credit report, I then took corrective measures writting the company several times even to the extext of sending them proof of the deletion via colored photos. I spoke to the representative letting her know that this was a clear violation and I never was contacted or notified that this account was going to be placed back on my credit file. The representative on a recorded line apologized and did all she could do and advised me that " she had all the documentation she needed to have it deleted and this was an error some how. '' As time has gone by up until this month XXXX the account has still not been taken off and my credit is still damaged by this incorrect account. I spoke with a very nice representative at Equifax and briefed her on the situation and after she did her research she told me that she had all the paper that i sent in and it was deleted but she could not do anything. I told her thank you and that this was clearly a violation of FCRA 15 U.S.C. 1681e ( b ). What this means is credit bureaus must report accurate information on its consumers and if notified that information may be inaccurate, must conduct an investigation into the claimed inaccuracy and report back to the consumer with the results of the investigation. Should a CRA agree to delete inaccurate information, under the law it has a duty to notify the consumer if it intends to re-insert the information within seven business days. XX/XX/1983 case XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( S.D. Ohio XX/XX/XXXX ).
Complaint sub-issue: Problem accessing account

Been trying for weeks to restore the link between my accounts to my XXXX account with no success ... .please help
Complaint sub-issue: Account status incorrect

I have inquiries on my credit report that were not authorized.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX 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: Account status

I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.
Complaint sub-issue: Debt is not yours

On XX/XX/2020, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ALPINE CREDIT INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Complaint sub-issue: Account status incorrect

Hello, On XXXX XXXX, XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This XXXX have impacted reporting on your account for XXXX XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XXXX XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Complaint sub-issue: Information belongs to someone else

Letters were sent in XXXX, XXXX, and XXXX requesting for accounts to be removed. Also there were late payments reported for XXXX XXXX that were never late. I have requested that the information be removed from my account as it negatively affects my credit. They have sent generic verified responses or haven't responded at all to my letters providing information on how it was verified, the original note, or anything. I have demanded that the information be corrected and removed.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have over XXXX in my account and literally haven't been able to touch none of it the card company us bank relia card the customer service team is hands down the worst known to history of XXXX  I can't buy XXXX it's blocked I tried to get milk blocked wait 24 hours everyday can't take all the money at once I mean I'm so upset I don't know what to do nobody helps all they do is hang up cause they think that's easier then helping the problem
Complaint sub-issue: Didn't receive enough information to verify debt

I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was Nelnet, so I called Nelnet today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to Great Lakes. So I called Great Lakes and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( XXXX and XXXX ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a formal dispute with XXXX, Equifax and XXXX   on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, Equifax and XXXX to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. Equifax, XXXX and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand XXXX, Equifax and XXXX be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Complaint sub-issue: Old information reappears or never goes away

Renewal for my home insurance ( XXXX policy # XXXX ) ( wind, fire, homeowners ) is due and the premium went from {$6800.00} to {$9300.00} based on information from LexisNexis Consumer Service Center. 
They state that 1- % if depart store accts reported inlast 24 mo to total # accts 2- % open retail accts to total open accts 3-insufficient information on personal finance accts 4- # of  accounts that have been established I called the XXXX # provided ( XXXX ) for LexisNexis and only an automated robot was available which would not accept the reference # I was given ( XXXX ) but instead was asking for full name, DOB, SS XXXX. 

I have no outstanding balances on ANY credit card. I only use VISA and MASTRCARD which I pay in full each month. I pay monthly the mirtgage, phone, gas, electric, and car insurance. I hace a XXXX card  which is paid in full and an inactive XXXX and XXXX also paid in full. 

This raise in premium based on Lexis Nexis is completely inappropriate. I suspect it has to do with a claim last year due to Hurricane Irma which was actually not covered by them but by the flood insurance!! It is simply outrageous! 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Problem with balance transfer

I made a payment on the wrong credit card ending with XXXX for {$6700.00}. 
The payment should have been made to the card ending with XXXX.I have called Citi bank 4 times and all they keep doing is give me wrong information saying the mis applied payment will be transferred to right account.Its a shame Citi bank has not yet processed the mis applied payment transfer for the last two weeks!