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

I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Applied for credit for a personal loan. Credit Bureaus advised a bankruptcy was on my credit and verified by lexisnexis. This is incorrect information. I want to know how this information is being reported on my credit report. This is hurting my chances of obtaining credit.
Complaint sub-issue: Frequent or repeated calls

calls using a fake called id multiple call throughout the day call prior to XXXX
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/XXXX I filled out paperwork with investment banker @ Key bank to open an annuity in the amount of {$5000.00}. I 'm attaching paperwork to substantiate. I have been receiving what I believed were annuity statements for years. In XX/XX/XXXX I decided to open another annuity @ Keybank. When I mentioned to investment banker that I already had one she told me I did not. She told me that for all these years I had a money market. I was in shock! I could not believe what she was telling me. She informed me first of all that you need a minimum of {$10000.00} to open an annuity. I was not told that. My issue is this. If {$5000.00} wasnt enough to open an annuity why was I not told up front. How can a banker open up a money market account in my name without my authorization.I have contacted headquarters in Ohio and requested paperwork to substantiate that I authorized anyone to open money market. They told me they had no paperwork showing that I ever authorized a money market account. I had money to open an annuity in another account if banker had just told me I would need {$5000.00} more to open account. Instead he took it upon his self to open an money market account without contacting me. Sounds a bit like what going on with XXXX XXXX. Needless to say I 'm very frustrated with Key Bank. I intend on closing my accounts at Key. I now have trust issues with banks.
Complaint sub-issue: Their investigation did not fix an error on your report

There is fraudulent information on my credit report that I have been disputing for some time now with each credit bureau and have gotten nowhere. I have sent them each a copy of my FTC report detailing the fraud and they are refusing to remove the inaccurate information from my credit report. It is illegal for a consumer reporting agency to report inaccurate information on a credit report and I am demanding that they remove this fraudulent information. I have attached my FTC report below.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My daughter booked a hotel for XXXX XXXX in XXXX XXXX on XXXX XXXX, XXXX. When my credit card statement arrived I had a charge for {$2200.00} to XXXX XXXX XXXX XXXX. I had no idea that was the charge for XXXX so I had a different daughter help me put that charge in dispute with Citibank. Later that day I realized that it was a legitimate charge and contacted Citi Card to  take the charge out of dispute, so they charged me back for the {$2200.00}. On XX/XX/XXXX when we arrived at the hotel, we were told we had no reservation, that the room had been canceled by XXXX when we put the card in dispute. My daughter, XXXX, who has been trying to help me get the money credited back to my account has made many calls to Citi and hasn't been able to get a straight answer on how to get the money credited back. She contacted them originally on XX/XX/XXXX and made many calls since, but because of the covid virus, now can not get through to anyone.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!
Complaint sub-issue: Their investigation did not fix an error on your report

This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from WhyNotLeaseIt. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with WhyNotLeaseIt in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.
Complaint sub-issue: Information belongs to someone else

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submll the qualifications under 15 USC 1681c-2 for Block and Removal of the informatiitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet aon on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Account information incorrect

Equifax credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Equifax has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Equifax has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. XXXXXXXX XXXX XXXXXXXX XXXX XXXX " Closed '' XXXX XXXX XXXXXXXX " Closed '' XXXX. XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX XXXX " Closed ''
Complaint sub-issue: Credit inquiries on your report that you don't recognize

X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Complaint sub-issue: Information belongs to someone else

Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. 

In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. 

Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the report.
Complaint sub-issue: Account information incorrect

I been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. The have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
Complaint sub-issue: Other problem

The company closes my account without my consent. I will not pay them. I want you the company stop calling me.
Complaint sub-issue: Debt was result of identity theft

This debt is not mine due to identity theft.
Complaint sub-issue: Account status incorrect

I recently pulled my credit reports and there are multiple collections for XXXX XXXX XXXX XXXX that IC System Inc. is reporting on XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that I do NOT have any outstanding balances with them and they do not know why IC System Inc. would be reporting on their behalf. 

I have disputed these items with XXXX, but to date they are still reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported in duplicate. It is a violation of the Fair Credit Reporting Act to report the same account twice. The FCRA mandates a credit report must reflect accurate information. This false reporting of repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

XXXX  Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. XXXX  failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to XXXX  dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, XXXX  must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified XXXX  of the problem on XX/XX/2020, XXXX   continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, XXXX  continues to report the inaccurate information on my consumer credit report from them.
Complaint sub-issue: Debt is not yours

XXXX XXXX COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXXXXX XXXX  ( XXXX ) and XXXX ( XXXX ), has violated my rights. By not validating accounts in question to which I have requested time and time again. I will list the violation that these companies has done to me.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 section 2 ; It's also stated a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692f ( 1 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. These companies both has been in multiple lawsuits for not abiding the set forth by CFPB.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened my account with Albert Bank in late XXXX ( around the XXXX ) after my friend, ( initials XXXX ), referred me to their app. There was a promotion where the referrer and the referee will receive {$500.00} if certain terms and conditions are met. I explicitly remember my friend 's name showing up when I opened my account, indicating that the referral had processed properly. 

Recently, I had completed all of the requirements needed to receive the {$500.00} bonus. However, when I reached out to customer service at Albert Bank, they said there was no referral tied to my account. It sounds as though they are trying not to pay out the referral bonuses that are rightly due to my friend and I. 

My friend has also reached out to their customer service indicating that he did indeed refer me but we have received no response or indication that they will make things right. I have heard that others have had this same problem with Albert Bank so I do hope that they remedy the situation for all involved parties. 

Thank you for your help and support.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls. 

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Problem using a debit or ATM card

I contacted pnc on XX/XX/2020 regarding a few disputes that i filed. one for XXXX at XXXX  XXXX  the other XXXX XXXX that was 2 months ago for over {$300.00}. now i was told that my disputes are closed because previous paperwork was mailed out from this bank regarding more information. Which i never received. I am about 2 mins from closing my account out with this bank if they dont give me back my XXXX money. Its no more information that this bank needs for a claim because i have sent them everything. The next is to go to the news and expose this fraudulent bank. Ive been with pnc for 2 years and this is how they treat their customers no way.
Complaint sub-issue: Problem with personal statement of dispute

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX account # XXXX amount {$580.00} open date XXXX XXXX last activity 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act, 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