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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Name : XXXX XXXX Equifax Account Name XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Name XXXX XXXXXXXX : Account Number XXXX has violated my rights.

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 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make my 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.
Complaint sub-issue: Company closed your account

I used my citi bank Master Card on the XXXX of this month to buy new Tires for my car XXXX it was paid by citi bank ... I get an email from citi bank saying my account has been closed as of the XXXX. I called today on the XXXX and spoke to Supervisor she told me my account is closed and I cant do anything about it she wants me to pull my credit again ( I asked why did the charge go through used it so it cant be cancelled ). I feel am being discriminated because of having good credit citi does not want to respect that I already used the card .... They should open my account without having to pull my credit ... ..
Complaint sub-issue: Debt was result of identity theft

Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXr XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

i just got this account deleted from my credit report. HOWEVER it was on my credit report with XXXX XXXX XXXX! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with XXXX XXXX XXXX and put it back on my credit report under the merging companies name!!! Which is XXXX XXXX XXXX WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of XXXX XXXX XXXX! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR EQUIFAX TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!
Complaint sub-issue: Investigation took more than 30 days

Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they 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 # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$380.00}
Complaint sub-issue: Information is not mine

Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired a copy of my report in XXXX dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX BANK XXXX because I believe it was reporting in error.
Complaint sub-issue: Reporting company used your report improperly

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. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX 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 1681c. ( a ) ( 5 ) Section 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 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: 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 XXXX. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax several times that they are not correctly reporting several accounts. My XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts are not being reported by Equifax even though these companies are sending them updated information monthly.
Complaint sub-issue: Problem using a debit or ATM card

I have an XXXX XXXX account with OptumBank. The account comes with an ATM card, that I do not use. 

On XX/XX/2021 I logged into my Optum XXXX account to retrieve a tax form. I immediately noticed fraudulent ATM activity. I pulled my ATM card from my cabinet and saw that expired. I called Optum immediately that day and reported the fraud. While on the phone I asked the representative to cancel ALL ATM cards. I asked the rep to remove ATM access from my account entirely as I do not use the ATM card and I didn't want another one reissued. She confirmed she did this on XX/XX/2021. 

Optum apparently reissued a new XXXX card in XX/XX/2021 but they did not notify me by email or phone. Unfortunately, there was rampant mail theft during that time. 

On Optum 's website it says they protect us by " monitoring the account for fraudulent activity '' - for 3 months I never heard from anyone about this very obvious fraudulent activity ( ATM withdraws and gas stations on an XXXX card? ). Additionally, you would also think that given that this followed the issuing of a new card this would have been flagged. 

On or about XX/XX/2021 the charges were still on my account and I had not received any correspondence from Optum. I called again to ask for an update. They said " fraud was reviewing and would reach out ''. I asked when, they could not tell me. All the supervisors were out that day. I asked the rep ( again ) to confirm that ATM access had been suspended, she confirmed. 

On XX/XX/2021, I logged into my account again. And much to my surprise there were NEW fraudulent ATM Charges on my account! Even though they had confirmed twice that all ATM access had been cancelled. In addition, all the previous fraudulent charges remained on my account still. I still had not heard from the Fraud department. 

At this point over {$2800.00} has been fraudulently withdrawn from my account with no action by Optum. I have spent over 3 hours of my time on the phone with them. After my call on XX/XX/XXXX I was assured 1 ) that a supervisor would call me back within 24 hours to confirm my claim was received and the ATM card had been cancelled ; and 2 ) the claim would be submitted within 24-48 hours. 

As of today XX/XX/2021, I still had not received a call from a supervisor. And they said my claim was submitted but it would take 3-5 days for the funds to be returned to my account. 

The money has been missing from my account since XX/XX/2021 and I reported it XX/XX/XXXX. I would remove my funds from this institution immediately if it were not an HSA through my employer. I have reported this to my employer as well and they are also looking into this. If you are an employer considering this company for your employees I encourage you to look somewhere else. 

I am afraid to leave my money with this institution. For over a month I have had to watch my savings get drained with no action by Optum Bank. I've done everything I can to protect myself. Optum is a custodian of our XXXX money. This is not Custodial behavior.
Complaint sub-issue: Transaction was not authorized

Several unauthorized transactions from XXXX were posted against my debit card on XX/XX/XXXX, {$17.00}, XX/XX/XXXX, {$16.00}, XX/XX/XXXX, {$48.00}, XX/XX/XXXX, {$53.00}, XX/XX/XXXX, {$100.00}, XX/XX/XXXX, {$100.00}, and XX/XX/XXXX, {$100.00} for a total of {$450.00}. I do not have an XXXX account. First, I notified the Direct Express Customer Service and notified them of these fraudulent transactions. The customer service sent me a questionnaire for fraud - SR Number : XXXX and I filled out and returned to them. On XX/XX/2021, I received a form from Direct Express that they were starting the investigation. On XX/XX/2021, I received a letter from Direct Express that they completed their investigation and they could not confirm that fraud occurred and a number was provided XXXX XXXX XXXX XXXX if I wanted to receive the documents they used to make their determination. XXXX enclosed ). In the meantime, I spoke to XXXX Customer Service ( Case ID : XXXX ) and they provided me with the charges and they could not refund because it was past the 60 days timeframe. Note I did start this within the 60 days with Direct Express. After this Apple letter, I talked to Direct Express Fraud department and she requested me to write a letter to the Fraud department of the investigation and request to reopen the case and I do so. I received a letter, XX/XX/XXXX, that they had closed the investigation. Not sure if they dropped the ball and didn't follow through. Recently, I called XXXX with my friend and talked to an XXXX associate and she stated she could see the charges and they did not relate back to me, but she couldn't provide the information to who made the charges. Also, she didn't see where the bank had investigated. So here I am {$450.00} short out of my social security XXXX {$840.00} a month ).
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to authorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Account status incorrect

Credit card showing 30 days late on all my credit reports.
Complaint sub-issue: Information belongs to someone else

I have disputed this account with Equifax numerous times and they keep telling me they do not see a dispute in process, however, when I try to dispute again, it says dispute in progress. I also advised Equifax that XXXX XXXX  is listed on my FTC Report and they keep insisting that it was not mentioned in the FTC report and they never received the report. I do not owe XXXX XXXX  any money. I have a fraud alert and freeze on my consumer reports for a reason. 

I have attached the FTC report AGAIN that Equifax claim they never received and clearly they can see XXXX  XXXX  was listed on the report filed since XX/XX/2022.
Complaint sub-issue: Account information incorrect

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX XXXX credit card into the program. I completed the program and paid all of my creditors in full as of XX/XX/2022. Even after 2-3 disputes with the major three credit reporting bureaus, XXXX continues to provide false or incorrect information to the three major credit reporting agencies and specifically, Equifax and XXXX continue to list this account as an unpaid charge off, however, the status has been changed to paid with XXXX. ALL 3 agencies are reporting the written amount after negotiation and settlement with XXXX XXXX XXXX, is {$5100.00}. This is also incorrect. The settlement information I have attached clearly shows that after settlement, the final balance was {$5800.00} and XXXX agreed in settlement and was paid {$4400.00}. I am not a mathematical genius but that doesn't amount to {$5100.00} as a write off. There are several errors and inconsistencies among all three reports all around. I am filing a complaint so that I can find and seek resolve as to why they continue to report incorrect information after being paid in full 3-4 months ago. They did not hesitate to very quickly report any negative information surrounding this account when I made the hard decision to include it in a debt consolidation program when going through a financial hardship a couple of years ago. Why does it take so long to correct now and provide accurate information for reporting purposes? I didn't run from the obligation but paid most of it back, albeit, at a lesser amount after settlement.