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

Im resubmitting 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 https : XXXX to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item 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 XXXXXXXX Balance Owed : {$5.00} ; XXXX XXXX  XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$70.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than XXXX business days after the date ofreceipt.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2018 I called XXXX to request my 3 credit reports. I was told it would take 15 days to receive them. The last 2 years I haven't received my report from Equifax. Last year I called them, explained I didn't receive it, was told they'd send it. Nothing. I called again, still got nothing. Here we are this year and I have my report from XXXX and XXXX, but no Equifax. Clearly they ignore the requests.
Complaint sub-issue: Was not notified of investigation status or results

I am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any worse.
Complaint sub-issue: Information belongs to someone else

I have contacted Credit Bureaus/Agencies ( Equifax and XXXX ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Information belongs to someone else

Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) The XXXX XXXX 6 ) XXXX 's XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

The bureaus 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Account status

I have an account in my credit report that is seven years old and has not been deleted yet. 
I would like Equifax to investigate and delete the derogatory XXXX XXXX account due to it evening seven years past the last delinquency. 
Equifax also will not let me enter online into their dispute area after I have answered all of my security questions correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

This company called Equifax is linking the information of another person with mine and I have been calling for a long time, sending papers putting all the evidence in their hands and they do nothing, I can not make a loan I can not do anything
Complaint sub-issue: Deposits and withdrawals

I can't link my XXXX account.
Complaint sub-issue: Overdrafts and overdraft fees

I have us bank they reverse the credits that they put on my account one {$230.00} and one for {$52.00} And for {$53.00} $ and one for {$33.00} now i'm overdrawn {$480.00} they should put the credits towards my account they made the mistake and it is their fault they let XXXX XXXX XXXX charge my old debit card now they are paying them now I don't have enough to pay my rent or my storage room or my life insurance or my pharmacy if I write the three checks are and they balance are they going to pay them out of their own pocket no they won't
Complaint sub-issue: Information belongs to someone else

I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and Equifax which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the two individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning me
Complaint sub-issue: Account information incorrect

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Complaint sub-issue: Reporting company used your report improperly

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. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Complaint sub-issue: Overcharged for a purchase or transfer you did make with the card

On XX/XX/2022, I purchased an item from an ad seen on XXXX from a seller called " Onedaystuff ''. The purchase price was {$24.00}. There was no confirmation number or email. Checking the charge with my cards app, I noticed a charge in the amount of {$210.00}. I immediately attempted to contact the seller, but all links were dead and the sellers XXXX profile was gone. Typing the address into a browser returned a 404 message " not found ''. On XX/XX/2022, I contacted my card issuer " Direct Express '' and informed them of the fraud. The debit card was immediately deactivated and a new one issued to me. I initiated the dispute procedure and received the paperwork by mail a week later which I filled out and returned the next day. My bank replied by mail on XX/XX/2022 denying my claim, stating that the transaction was authorized and I should resolve the issue with the merchant directly. A merchant that is impossible to reach and has never shipped the product to date. 

I continue to see identical ads on XXXX for the product but with ever changing seller names.
Complaint sub-issue: Information belongs to someone else

Account # XXXX is older than I am. I was born in XXXX this account shows open in XXXX according to XXXX XXXX. No open date disclosed according to Equifax. Not that any of the receding information is necessary but still in all provided more valid reason for deletion. The phone number for alleged account is a non working number. The account history contradicts itself. It shows 100 % on time payments while simultaneously stating 90 days late 16 months consecutively. I am requesting that this account be deleted immediately from my report it is obviously not mines. If not I will take legal action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Improper uses of my Credit files Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  ),
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/XXXX I submitted a dispute for a collections account that appeared on my Equifax Credit Report for XXXX XXXX XXXX, original date of collection XX/XX/XXXX. I have yet to get the results of this dispute. According to my credit report it states that the dispute " reinvestigation is still in progress '' however this has been ongoing for the past 6 months. I have attempted to contact Equifax and they stated that this dispute has been resolved but I am unable to dispute the results of the investigation if I do not know what those results are. I do not believe that this debt belongs to me but it has been listed on my credit report and I am unable to resolve the matter with the credit bureau.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We had a front door installed with a charge date of XX/XX/19 in the amount of {$2600.00}. The actual installation took place early in XX/XX/2019. At that time when the installation was completed we responded to Home Depot the door seller and installer that we were unhappy with the installation and that we were filing a dispute with Citi ( the credit card company where we charged the door and installation ) in the amount of {$650.00}. This is the cost of the installation charged by Home Depot.  The door itself was very nice and we had no issue with the door. We were then contacted by Home Depot where we explained that the moulding around the door that we paid for was the wrong size and did not cover their work. In addition, the door threshold looked like a 2x4 ( unsightly ) and was dangerous in that someone could easily trip over it. A Home Depot representative said he would talk to his manager -  nobody ever called back or re-contacted us. I have enclosed pictures of the problems also sent to Citi. I  also sent letters to Citi ( enclosed ). The only response during this whole issue from Home Depot was that we could not dispute the charge because we picked up the merchandise which we then proved was untrue ( documents enclosed - the installer delivered the door on the date of the installation ). Citi then  sent us a letter requesting additional information by XX/XX/2019 which we sent by XX/XX/2019 ( documents enclosed ). After that Citi having received all of this information ( pictures, letters, documentation ) sent a final letter indicating we should go to Home Depot or other means to obtain the credit ( letter enclosed ). In summary, it appears Citi never had any intention of assisting us and it does appear to me that Citi must have some kind of special relationship with Home Depot. It does not appear that Citi takes the dispute process seriously.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I set up an autopay arrangement on Ally 's website but not one payment was drafted and after 4 months I checked and the account had been charged off. I called to ask what happened and why has no payment been drafted and I was told that my account is charged off and there is nothing I can do to get it back. This is WRONG and I want my account reinstated so that I can finish paying my car off.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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

There are accounts and a Bankruptcy on my credit report that aren't mine. Please remove them.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have been a XXXX XXXX customer for over 20 years and have used their store card to make thousands of dollars worth of purchases for myself, family & friends. Recently, XXXX XXXX took it upon themselves to " upgrade '' their store card to an XXXX XXXX card. I had no interest in having an XXXX XXXX card but since I didn't notify XXXX XXXX of that fact they claim they sent me an XXXX XXXX card which I never received. Then XXXX XXXX told me they would send me a replacement card but they never did. In the interim, my original XXXX XXXX account was closed without my permission. Although I received a letter from XXXX XXXX from XXXX XXXX Executive Office claiming she would assist me with this issue I have called this office three times. First I'm connected to the wrong number then I get disconnected when I called again. On the third try at about XXXX today I get a recording stating I should leave a message since apparently the office is busy. XXXX XXXX Executive Office can't take a phone call during normal business hours?! I'm really disappointed in the shoddy treatment I've been getting from XXXX XXXX since their association with XXXX XXXX. Apparently loyal, long-standing XXXX XXXX  customers are no longer appreciated and are being forced to accept XXXX XXXX cards ...
Complaint sub-issue: Account status incorrect

AES / XXXX or XXXX was removed/deleted from my XXXX and XXXX credit report because of inaccurate reporting. They were using the name PHEAA before being removed on XX/XX/XXXX. XXXX allow the company to change the name to AESXXXX and continue to report negatively on my credit report. 

I have spoken to the company several times and they have indicated they are not reporting this information. However, it remains on my credit report for XXXX under a name I never done business with. 

XXXX XXXX  XXXX has reported I owe {$690.00} for an account open XX/XX/XXXX. Currently, its reporting negatively as of XX/XX/XXXX. I have ask for documents from this company with my signature or information they not sent me anything proven this is my debt. 
They are a collection agency reporting on my XXXX credit report. Upon disputing it with them and XXXX they are unable to prove its my debt. 

XXXX XXXX XXXX XXXX is reporting a hard inquiry dating back to XX/XX/XXXX. I never had any dealing with this company.
Complaint sub-issue: Account information incorrect

To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

The Cadle Company, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with XXXX XXXX XXXX, which is now owned by XXXX. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the Cadle Company and she was very rude and would not provide any information on rectifying this situation.
Complaint sub-issue: Information belongs to someone else

I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.
Complaint sub-issue: Other problem getting your report or credit score

Dear XXXX, Equifax, XXXX. 

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission so you know it's not a game. I want you to remove out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of { {$1000.00} } per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because 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 OR INQUIRIES