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 in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

I was gifted a {$50.00} XXXX  Gift Card ( XXXX ) purchased from XXXX on XX/XX/22. When I went to use the card, it was declined. I tried validating the card online and then calling when I kept getting the error message. I have called 3 different times to try to resolve the issue. The wait time has been 45-60 minutes and then I am just told to hang up and call the XXXX number for the automated system or in one instance I was hung up on. The XXXX number they are referring to is the number I am calling and it just connects me to a representative. I am not able to return the card to XXXX since it is a gift card. All this leads me to believe that this gift card is not legit.
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 on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 after the date of receipt.
Complaint sub-issue: Problem with paying off the loan

Leased vehicle on XX/XX/XXXX. Made 19 monthly payments ( inclusive of the initial payment due at lease signing ), through XX/XX/XXXX. <P/>On XX/XX/XXXX vehicle was struck and rendered a total loss. <P/>On XX/XX/XXXX was contacted by the insurance company of the party at fault and was offered {$14000.00} which they said would satisfy the lien holder, VW Credit. I rejected their offer explaining that the vehicle was worth several thousand dollars more. Money which I had put down in order to lower the balance and resulting monthly payments. <P/>On XX/XX/XXXX I contacted VW Credit to advise of the situation at which point they advised me that they had ( on that date ) just issued a loan payoff letter guaranteeing title to the insurance company in return for the {$14000.00} offered ( and earlier rejected by me ). I asked how I would recoup my investment at which point they very abruptly answered " we 're satisfied, you 'll need to take up your concerns with the insurance company. '' On XX/XX/XXXX I contacted the insurance company and again disputed the amount of the settlement. I was advised to provide comparables supporting my claim of the vehicle 's value. I gathered and provided the comparable vehicles, as instructed, on that same date. <P/>On XX/XX/XXXX the insurance company finally conceded that their initial offer was erroneous and modified their offer to {$17000.00} plus taxes ( {$1200.00} ) and fees ( {$18.00} ), totaling {$18000.00}. <P/>I accepted on the premise that the amount offered {$18000.00} less the payoff of {$14000.00} would return to me {$4200.00} which was approximately the amount I paid into the lease at the start. <P/>I was then advised by the insurance company that the payoff amount had increased to {$15000.00} reducing the balance payable to me to {$2700.00}, a difference of {$1500.00}. I asked them to explain the increase in the payoff amount, which they could not. We contacted VW Credit together and was told plainly that if the insurance company had agreed to pay more then they wanted to collect more and therefore refused to honor their original payoff ( again, which was offered in writing ) of {$14000.00}. <P/>The insurance company ( indifferent to who they pay ) has since satisfied VW Credit in the amount of {$15000.00} and issued to me a check in the amount of {$2700.00}, effectively removing themselves from the dispute. <P/>VW Credit openly acknowledges that their demand of {$15000.00} represents the full balance of the loan ( {$13000.00} residual, plus 17 remaining payments of {$140.00} ) with no discount for unearned interest.
Complaint sub-issue: Information is not mine

Equifax refuses to verify credit inquiries on my file Equifax states it 's a matter of factual data. How can Equifax make that claim if they are not investigating the issue, stating that if I feel the info is false contact the creditors directly The creditor reported the false info in error and Equifax, the bureau of public record keeping should feel obligated to make sure the info they are keeping is accurate
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

An online purchase was made on XXXX/XXXX/2017 for the amount of {$460.00} The merchant was XXXX and the shipping company was XXXX. On several occasions, I notified XXXX  that I live in a high-theft apartment building and that my signature is required. I also informed XXXX that my building has an " on-site '' property management office that operates during normal business hours ( M-F/XXXX ), so if I 'm not home, there is an alternate option.
<P/>
I received a mobile text message to my personal cell number that the item in question was delivered. At the time I received the message, I was at my work office which is located in a different city ( XXXX, CA ). I immediately contacted XXXX XXXX customer service number and asked if the item was delivered to the onsite management office since I was n't home and there was no one there to accept the delivery. The XXXX customer service rep ( in XXXX ) said that it was delivered and that was all the info they had.
<P/>
When I got home from work, there was no delivery. I then initiated a " contested charge '' with Citi Cards and explained that the shipper ( XXXX ) did not acquire " MY '' signature and I did n't take delivery of the item and that either A ) the item was simply left at my door or B ) someone else signed for the item.
<P/>
Then I contacted XXXX again to get details about what happened. They said they spoke to XXXX and that they acquired a signature from someone named " XXXX ''. I explained that 1 ) that 's not me, 2 ) there 's no " XXXX '' at my residence, and 3 ) if you compared signatures from what was collected and mine, it would be obvious that they did n't collect MY signature.
<P/>
Citi Bank Billing Dispute Dept. " claimed '' they conducted an investigation, which did n't even include a signature comparison. I provided Citi Bank Dispute Dept. a signed document stating 1 ) I did n't receive the item, and 2 ) a copy of my California State Drivers Licence which has my signature on it as a reference. Citi Bank has stated that the investigation has been closed and they reversed the conditional credit. How is that possible?
<P/>
I demand that Citi Bank Billing Dispute Dept. apply a credit of {$460.00} since they did n't conduct a MEANINGFUL investigation which would have provided overwhelming evidence that XXXX failed to follow procedure in acquiring MY SIGNATURE for this item, OR, to follow the instructions given to XXXX to deliver the item to a secure location ( onsite property management office ).
Complaint sub-issue: Information belongs to someone else

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX  # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date openXX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XX/XX/XXXXfile number XXXX XX/XX/XXXXReport Number XXXX equifax lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in Equifax Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Complaint sub-issue: Information belongs to someone else

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX classic XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the XXXX XXXX. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a XXXX and XXXX XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX  of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Equifax liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX  done.
Complaint sub-issue: Information belongs to someone else

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

equifax is full of drap saying all my inquirys are legimate first off XXXX  is fraudulent i never applied for credit with them and dont have card from them so should be deleted and XXXX i have only 2 cards with them so 2 are good and 2 are false andshould be deleted XXXX is god and can remain
Complaint sub-issue: Can't close your account

I deposit a check into my checking account on XX/XX/2019 on XX/XX/XXXX i went inside Key Bank they explain to that the check was not signed right and that they were going to take care of this and that the check was cleared and the funds will be available on XX/XX/2019 well the XXXX came and there was still an issue with the check they frozen my account so i went to the bank with the same issue ask the manager to close my account she told me that she did and took my debit card i check my moblie account the account is still open she never honor my wishes
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.
Complaint sub-issue: Didn't receive terms that were advertised

XXXX XXXX offered a {$300.00} bonus for opening a new consumer checking account in a branch between XX/XX/2019 and XX/XX/2019. The two other requirements are 1 ) completing 2 or more direct deposit of {$2000.00} minimum in total within 60 days of opening account and 2 ) enroll in XXXX XXXX   online banking before XX/XX/2019. I did open the easy checking account on XX/XX/2019 in local branch using the promo code as advertised and enroll in online banking the same day. I've completed 3 direct deposits and the total amount is around {$2500.00} by XX/XX/2019. So clearly I already meet all the requirement. However, I haven't received the {$300.00} so far. I tried to contact the XXXX XXXX customer service but they sent me back and forth to various different departments and finally directed me to contact the local branch. But the local branch just said I need to contact the customer service to ask for the bonus. Now it goes to an endless loop and nobody in the XXXX   XXXX will help me solve that issue.
Complaint sub-issue: Card was charged for something you did not purchase with the card

cfpb : recently moved to Hawaii and was told by XXXX that payment was past due, however when receiving bill from past due purchase, after paying for purchase, there was no indication where purchase was made?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2022 I ordered two pairs of sandals from XXXX XXXX, owned by XXXX ; they were charged on my Citi Bank MasterCard # XXXX. I returned both pairs for credit on XX/XX/XXXX. When I saw on my statement only one pair was credited I contacted Citi ; they stated that XXXX received only one pair. I have been going back & forth with Citi numerous times since XXXX. I sent them copies of receipts from XXXX as well as copies of the two prepaid return shipping labels provided me by XXXX. I asked both Citi and XXXX to use the tracking numbers to verify, XXXX related to Citi that they only receied one parcel. Citi states the case is closed. I do not know whether either party used the tracking numbers. So I tracked them myself. I have tracking numbers printed by XXXX  showing that I returned both parcels on XX/XX/XXXX and XXXX received both pairs on XX/XX/XXXX. I have sent copies to both parties on XX/XX/XXXX. I have not heard from either party. I will send you copies of this absolute verification of XXXX 's receipt of both parcels if you need them.Both copies upon return to XXXX on XX/XX/XXXX by " XXXX ''.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and 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. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on Equifax, and has yet to do so on XXXX and XXXX. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the violation.
Complaint sub-issue: Account status incorrect

I have just checked my credit report today and Equifax has posted a delinquent account on my credit file as of XX/XX/2021 when it was previuously disputed and deleted. They have done this twice. The dispute was filed with XXXX but the result effected all the bureaus. As I originally informed the dispute is for a collection account with XXXX XXXX over cancellation of a policy for a vehicle that was scrapped. The request was called in on the day the vehicle was scrapped and I spoke with an agent. I did not have a replacement vehicle at the time and policy cancelled immediately. The amount in question was XXXX.
Complaint sub-issue: Account status incorrect

I recently received notification from the credit that XXXX XXXX is reporting 180 days late payment when the account was in good status. The car was paid off XXXX closed in good standing and I have the title in hand. I am not understanding why this company is updating the report as if I still have an open account the was paid and close back in XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for Citi XXXX credit card, seeing a promotional offer of signup bonus of XXXX points after spending {$4000.00}. I also saw the term that this offer is not available for customers who have received this bonus within the past 24 months. 

According to my calculation, last time I received this offer, it was beyond 24 months. Citi approved my credit card application. However, when I received the card, it told me I am not eligible for this offer. 

So I am making the following complaints : 1. Citi miscalculated the 24 months ; 2. If Citi believes I am not eligible for this offer, it should have informed me before opening a credit card in my name. I believe this card account was opened without my consent.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Complaint sub-issue: Account information incorrect

XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Complaint sub-issue: Personal information incorrect

Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX  XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX