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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information
Complaint sub-issue: Debt is not yours

Hello ENHANCED RECOVERY ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit. I found that my name is still not the correct name on Equifax credit bureau. If you look at my identity theft report it has my correct name listed on the Federal Trade Commission Identity Theft Report. My correct name is XXXX XXXX not XXXX XXXX XXXX. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX  is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Complaint sub-issue: Debt was result of identity theft

COACHELLA VAL COL SV is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( COACHELLA VAL COL SV XXXXXXXX )
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$3000.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX ( Original Creditor : XXXX AT T ) XXXX XXXX  : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1400.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX  : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  : {$420.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I noticed that Equifax had published a Bankruptcy on my consumer file from courts in XXXX, TX and XXXX, TX. I did not give written consent to Equifax to publish this on my consumer report that's a violation of my consumer rights. When I challenged it, via certified on XX/XX/2021 they removed the bankruptcy and replaced with a federal bankruptcy and reported the date XX/XX/2021 that's a violation of my consumer rights. So they reaged my bankruptcy that's a violation of my consumer rights. They did not furnish any mailing address either, that's another violation of my consumer rights. Equifax has refused to respond in a timely matter, thats a violation of my consumer rights. I sent them an certified affidavit on XX/XX/2021 showing them my consumer right laws that they have broken. On XX/XX/2021, I sent another certified letter asking them to permanently delete this from my file.
Complaint sub-issue: Don't want a card provided by your employer or the government

Somebody applied for unemployment benefits in my name. I was notified of this through the mail. Shortly after being notified about this, I received this U.S. Bank ReliaCard. I did not apply for unemployment and I do not want this card.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX i received a letter from EOS-CCA debt collection agency stating i owed XXXX to XXXX XXXX XXXX. My subscription ran out and i did not renew it. 
Now, this debt collection agency is saying because i did not call and cancel my subscription, i have to pay this amount or they will turn it over to the credit bureau. 
I called XXXX XXXX XXXX and they said they did not turn this in for collection and that i do not owe anything. My XXXX XXXX was cut off at the end of my subscription and so i do not owe anything. Some how, seems that XXXX XXXX had to give them my information Strange thing is, the address or phone number is not the same on the internet and the letter. 
I did not get any where with the EOS-CCA collections agency. 
Please help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On Sunday XX/XX/XXXX I shopped online at XXXX due to a sale ending that day. I added two mattresses and two box springs to my cart. Next to the box springs was an add showing 12 month financing available with credit approval ( see screenshot ). I clicked on that and was brought to an add showing " Open a XXXX XXXX Credit Card account & SAVE 20 % today & tomorrow up to a total of {$100.00}. '' Because my items were expensive this sounded like the best and most cost-effective way to purchase them and nothing about the adds made any exclusions about online shopping. 

I applied for and was immediately approved for a XXXX XXXX XXXX card with a {$1000.00} limit. I also saw the inquiry and card ping on my credit monitoring service. 

I proceeded to go to the cart to check out and use my new card and the transaction would not process. It showed an error and told me to call XXXX XXXX. I called and spent 55 minutes on the phone with five different  people. The first three tried to help and couldn't and put me through to other departments. The last two were in credit services : XXXX XXXX XXXX ID XXXX XXXX, in credit services told me that it's a glitch in their system that doesn't let people use the card until they receive it in the mail. I told her that is unacceptable as I opened the card solely to use for the XXXX purchase that day. She told me there was nothing she could do. I asked to speak to a supervisor. 

XXXX was the last person I spoke with, a credit supervisor and he let me know that due to a system error I couldn't use the credit card I just opened to make the purchase online, that I would have to try to go to a XXXX XXXX store before the end of the day. I explained that was not possible nor acceptable and that their details on the card state differently : " The new account discount ( the Discount ) is valid on merchandise purchases made at XXXX, XXXX XXXX and XXXX the day you are approved and the following day and charged on your new XXXX Credit Card account. '' ( also see screenshot ). 

I never would have opened a credit card had I not been able to use the card to make the online purchase. No where did it indicate that it would not work or that there was a " system glitch ''. Now my credit has been affected negatively, I was unable to purchase the items at the sale price, and I am left with a credit card account I don't want as XXXX XXXX customer service is horrible and I would NEVER make a purchase there based on this experience.
Complaint sub-issue: Debt was paid

In 2014 XXXX  XXXX claim they were not paid by my insurance company I have great insurance thru my wife XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX   insurance.My insurance company says it was paid back in 2014 advocate says no my insurance said just ignore them they have done this b4 but they wont take it off by credit report, I have had it up to here with them they are very nasty people. I appreciate it if you could help me in this matter. Thank you XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Complaint sub-issue: Information belongs to someone else

With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 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 ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Accounts : XXXX & XXXX {$530.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX- {$9100.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX C- {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I am writing to request your help. MACYS/DSNB is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX /Date opened XX/XX/XXXX/ Charged off/ Status closed/ Bal {$900.00} This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Complaint sub-issue: Problem with personal statement of dispute

sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate on my credit report ), XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX  ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX  Bankruptcy XXXX
Complaint sub-issue: Reporting company used your report improperly

I went to XXXX around XX/XX/XXXX. It said my data had been breached. Today I heard this website gives random results, so I checked again today, XX/XX/XXXX. It told me I was not affected. Was I affected or not? I do n't know.
Complaint sub-issue: Problem with fraud alerts

I had reserved a car on-line with XXXX XXXX XXXX. When I went to pick up the car, I was told I had to give my Social Security Number in order to use my debit card to complete the transaction. I declined to give my SSN, so the agent directed me to XXXX at the next counter and asked the agent to honor the rate I had arranged with Budget. When I tried to pay at XXXX, my card was declined due to a " soft credit check '' by Equifax. The Equifax number on the explanation card was totally automated and only allowed me to request a credit report for a charge of {$7.00}. When I tried to rent a car through XXXX, they wanted to know the flight number I was booked on. Since I was traveling by bus, I did n't have a flight number, but when I asked about a train reservation they said that would be OK. So I called XXXX, bought a ticket with the card previously declined by XXXX. I was then quoted a rate XXXX the on-line rate for XXXX, the explanation being that I was a " walk-in. '' I called my bank and was told there was no problem with my account, which had more than enough to cover the {$200.00} hold requested by the car companies. I also had sufficient cash to cover both the hold and the original quoted rate by XXXX. I finally ended up getting a car through XXXX, same scenario as XXXX. The erroneous hold on my debit card by Equifax cost me both time and money, and no business should be asking for my SSN in order to make a payment.
Complaint sub-issue: Non-sufficient funds and associated fees

On r about the XXXX of XXXX a i was imformed by the Social Security Administration that they had sent my benifits to DirectExpress and that they would send me A card. I spoke them and was told that they had mailed me a card to a address given to them from SSI. I told them that i did not live at that address and wanted to have a new card mailed to my new address. Upon receiveing my card and activateding it i noticed that the payments for XXXX and XXXX of XXXX were missing {$2000.00}. I called and reported this to DirectExpress. i also told them that i was in XXXX and never recieved the card that was used to withdraw the funds.I was imformed that i had to file paper about the funds missing and file a police report which i did. XX/XX/XXXX. I recieved a letter imforming me that my paperwork was recieved and i would know something in 45 days. Around the middle of XXXX i recieved a letter from DirectExpress stateing that my funds {$2000.00} would be put into my acount. They put {$1500.00} on XX/XX/XXXX or around then. After about a week anfd2 the other {$500.00} was not added i called and asked about the remaining fund. At first i was told that they were looking into it call back in 24hr but after a week of that i was told that they would not be sending iz to me because i did not file a report about missing funds. I told them i couldn't report it because i was in XXXX  and that i never knew the card was mailed to me to know it was taken. They said they would send me a report or somethomg but nothing ever came. Now i can't get anyone to tell me anything ot even talk to me. I try to asks for someone but they say thats all they can do. I need my money. They mailef the. Card activated it they gave out the funds
Complaint sub-issue: Account status incorrect

I recently bought a watch on credit. I received two hard inquiries on my credit report. One from XXXX and the other one XXXX XXXX. XXXX says its a national credit card and airline while XXXX XXXX says jewelry and cameras. I called XXXX but they told me I would have to take it up with the credit bureaus and XXXX XXXX ( the company that I actually bought the watch from ) said that XXXX XXXX is incorrect and it would not come up as cameras and jewelry. Ive looked at my paperwork Ive received from XXXX XXXX at time of purchase and I believe that XXXX XXXX is in fact the company that gave me the line of credit. So I am basically just concerned about this XXXX XXXX hard inquiry. My credit score has dropped 38 points because of these two hard inquiries.
Complaint sub-issue: Information belongs to someone else

There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX  -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.