Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 a states I have a right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 10th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, XXXX, and Equifax. They still have not answered my request. The information on my report must come off asap ...
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This XXXX accounts is inaccurately and erroneously reporting on my Credit Report. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX and according to FCRA XXXX XXXX. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about my concern to this accounts. Please investigate and remove this following accounts completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance : {$110.00}
Complaint sub-issue: Reporting company used your report improperly

Therefore, let it be known : On XXXX XXXX, Equifax systems were hacked and my personal information was improperly stolen, not limited to and including : My Social Security Number, My employer, My phone number, My address, My credit information, and My name. This was an unlawful event that could have been avoided had Equifax properly secured my personal information. 

Furthermore, Equifax had a number of Executives that cashed out their stock days prior to this incident without scheduling a XXXX. This is theft of not only my information, but also willfull ignorance ( deciding to do something KNOWING the consequences and proceeding anyway XXXX. This is unlawful and unacceptable use of my personal information and my identity information. 

All those responsible for this breach, for enabling this breach, and for the results of this breach are in violation of lore - in the violation of my human rights of privacy and security. This is a theft of my privacy, security, and ultimately of any time, value and currency that I have invested into Equifax. Therefore, All that was stolen must be returned at XXXX the value.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( No Account Number Displayed on Report ) violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Complaint sub-issue: Delay in processing application

On XX/XX/XXXX I applied for a Citi XXXX XXXX XXXX and never heard back regarding my application. The website says the typical wait time is 7-10 days so once that time period passed I check the website and was told my application was still being processed. On XX/XX/XXXX, I called the company to request an update and was told that my address was on file incorrectly and that they would fix it and send me a confirmation letter to process my application. Another month and a half passed and I still received no letter so on XX/XX/XXXX I called back to request my application be withdrawn. I expressed that I did not want to bank with Citi because of the 4-month negative custom service experience. Instead of withdrawing my application, the phone attendant approved it on the phone immediately, issuing me a credit card that explicitly stated that I did not want it. After that call, I have spent 45 minutes on the phone with different Citi Bank customer service lines and no one can assist me in A. filing a complaint and B. halting the process of opening that card. So now I'm stuck with a card I do not want or having to make the decision to close the account I never opened and have it impact my credit score. I'm also concerned about receiving the card in the mail at all to begin the process of closing the account seeing as none of the previous mail correspondence has made it to my mailbox which is part of what prompted this issue in the first place.
Complaint sub-issue: Problem with paying off the loan

I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department.
Complaint sub-issue: Overdrafts and overdraft fees

***ADDING TO PREV COMPLAINT*** Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 IN ADDITION to being charged a {$36.00} nsfw for a bill payment that came out in error, they are now charging me 2 more fees. 
I pulled up my bank account on Sunday, XX/XX/XXXX & now B.B. t had me at negative - {$88.00}. I called spoke to XXXX at XXXX. They charged me 2 more fees for XXXX charge if {$4.00} and XXXX XXXX {$15.00}. I want these fees removed now 3 fees at {$36.00} each so I can close this account. 
Ill cleared my last balance and had a positive balance. I even tried to close my account and dispute XXXX transactions that keep running through this bank. I tried online with no help and I tried via phone and the rep told me to contact XXXX. 
Ill never recommend family or friends to come here & report this to the news and social media and I will seek my attorney if its not resolved.

Ill never do business again here nor recommend family & friends to this bank.

I want the 3 fees of {$36.00} waived so I can close this account asap.
Complaint sub-issue: Can't close your account

XX/XX/XXXX, spoke with XXXX - he reversed charges that were wrongly accrued. Brought balance owed to {$0.00}. Closed the account completely on that day. 
Received another statement - account was NOT closed. I called back on XX/XX/XXXX disputed the now new charges that accrued again. Spoke to XXXX, then XXXX and a XXXX - reversed charges again and got a confirmation # that account was closed and all issues resolved. Confirmation # XXXX. 
Received yet another bill for the account that should be closed. New charges once again have accrued. XX/XX/XXXX Tried calling in again explaining the account was closed now twice but yet still getting charges and fees. All while crushing my credit score because its showing I am not paying past due fees. Spoke to three gals, first XXXX hung up on me. Promptly called back spoke to XXXX ( ID : XXXX ) she said she couldn't help me. I asked to be transferred to a manager. Got XXXX, she said she can only " send 'it ' off '' can not do anything with the account.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, defamed my character and caused undue stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 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.

15 U.S.C 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy CourXXXX XXXXXXXX XXXX  case # XXXX 15 U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Complaint sub-issue: Account information incorrect

Addresses added to my credit report that I do not reside at, incorrect balances reported. 

My social security card was stolen was I was XXXX so my information could be all over the world. 

I have full faith and credit due to XXXX  XXXX 

All debts are to be discharged by the government.

Real money is gold and silver. 


These companies are agencies and not bureaus which is false advertising. 

I do not consent to have my information shared with anyone. 

My social security card is a credit card and it has unlimited credit. 

I have full equity in the birth certificate and social security.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a account that was obtain in a name that similar then mine. Please re-investigate my credit file.
Complaint sub-issue: Information belongs to someone else

Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. Equifax and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.XXXX XXXX   as past due and in Collection. XXXX was Part of my Discharge 4. equifax does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX  XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.
Complaint sub-issue: Account terms

on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.
Complaint sub-issue: Debt is not mine

Old business cell phone bill for a business I was a limited liability partner in. Debt collector did not contact me in any manner prior to listing the debt on my credit report.
Complaint sub-issue: Personal information incorrect

i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the Equifax Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
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Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX
Complaint sub-issue: Information belongs to someone else

I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.