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

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.
Complaint sub-issue: Didn't receive terms that were advertised

MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches never take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( XXXX : //XXXX.XXXX.XXXX/XXXX/ ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. Several comments on public forums seem to indicate that MoneyLion is refusing to honor the terms of the offer, based on arbitrary requirements ( see comment section here : https : XXXX ) I deposited {$3700.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$5000.00} was processed on XX/XX/2019. These direct deposits meet the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy.
Complaint sub-issue: Account information incorrect

Equifax wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called Equifax and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
Complaint sub-issue: Debt was result of identity theft

After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Citi Cards XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.
Complaint sub-issue: Right to dispute notice not received

XXXX account that went into collection. another company had the account and now this company have the account stating its a new account on my credit report
Complaint sub-issue: Account status incorrect

Please remove this account from my credit report XXXX  BK XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX  XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a negative account on my Equifax credit report where I was a authorized user only and not responsible for payment XXXX and XXXX  deleted this account from my credit report with them but Equifax refuses to do so
Complaint sub-issue: Public record information inaccurate

This week Equifax removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also XXXX XXXX stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
Complaint sub-issue: Information belongs to someone else

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX, SC XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX Balance : {$63.00} XXXX XXXXXXXX Balance : {$93.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Complaint sub-issue: Debt was result of identity theft

I have called the company IC System Inc several times and verified that the address they have on file for myself is not accurate and that I had been the victim of identity theft. They stated they were going to send paperwork that I needed to complete that would assist them in determining if I was telling the truth. They stated it would take two weeks to receive. I did not receive the document. I filed a police report as they requested. It has been 8 weeks. I have called the original company XXXX  and spent more than 45 minutes being transferred from person to person with no assistance. This fraudelent information is affecting my ability to get my home refinanced and needs to be removed immediately as it is fraudulent. When I called XXXX I told one of the customer service agents that it was due to identity theft and he proceeded to ask me if I wanted to pay the bill.
Complaint sub-issue: Overdrafts and overdraft fees

Realized I have a negative balance of almost XXXX dollars. It is impossible. I will not pay this, and it already went into collections... There are other things the bank should have done like deny the transaction, or contact me.. despite that they just went on, accumulating fees which are not reasonable.. now my credit score is messed up.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive services that were advertised

Around XXXX I saw a lot of pre approvals on Credit Karma . I didnt pay attention at first but Credit Karma kept notifying me of all sorts of pre approvals telling me I was 100 % pre-approved for credit cards, personal loans, and refinancing my vehicle. Everyday I would be notified of these offers every-time I logged in to check my credit score. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. Credit Karma sent me so many offers I started telling my entire family about investments and vacations we could use the pre-approvals for. So I applied around sometime in XXXX or XXXX and I got denied for 2 credit cards, a car refinance and a personal loan. I was very disappointed and deceived since I was marketed to for months and months of Credit Karma telling me I was 100 % pre-approved. This was a lie! I was severally stressed out and XXXX for weeks. My XXXX  went from XXXX to XXXX. Now every time I see pre-approvals I immediately shut my computer and cell phone off. This has caused me to be so uneasy and XXXX  that I no longer check my credit as frequently as I used to and should. Credit Karma has caused me severe trust issues for deeply deceiving me.
Complaint sub-issue: Contacted me after I asked not to

XXXX from XXXX in XXXX CA has called multiple times threatening to have me arrested if I do n't pay back an overdrawn bank account that was closed over ten years ago. Has used profanity on many of calls and physically threatened me.
Complaint sub-issue: Information belongs to someone else

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Complaint sub-issue: Debt was result of identity theft

AT & T SOLD TO XXXX XXXX XXXX XXXX CASE XXXX, CLIENT XXXX IN THE AMOUNT OF {$340.00} AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT. 

YOU ARE IN VIOLATION OF THE DODD-FRANK ACT S.O.L. EXPIRED
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A. Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  Acct # XXXX CHARGE : {$970.00} XX/XX/XXXX Reason : Unverified Account 2. XXXX XXXX XXXX XXXX XXXX XXXX . 
Acct # XXXX CHARGE : {$710.00} XX/XX/XXXX Reason : Unverified Account 3. XXXX XXXX  XXXX   XXXX XXXX XXXX  Acct # XXXX CHARGE : {$150.00} XX/XX/XXXX Reason : Unverified Account
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. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Debt is not yours

I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following :  1.  The original Application or contract ; 2. Any and all statements allegedly related to this debt  ; 3 . Any and all signed receipts ;  4.  Any and all canceled checks ; 5. Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely XXXX  up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of XXXX  to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.
Complaint sub-issue: Reporting company used your report improperly

Thus far, the only unrecognized use of my information appears to have been roughly two weeks prior to today, on XXXX XXXX, 2017. While it seems to have been a harmless check ( perhaps perpetrators probing for viable accounts? ), I do not feel comfortable at the thought of my information having been exposed ( as reported to me by the company itself via their incident response website ) and demonstrated by this unauthorized credit action.
Complaint sub-issue: Account information incorrect

Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX  I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX  years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : 1. I've called XXXX several times and spoken with agents. 
2. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main XXXX XXXX in XXXX, to seek resolution. Customer Service told me in late XXXX that the only method was to write the bank itself in XXXX. 
4. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
5. I filed a dispute with XXXX XXXX in mid XXXX  and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt was result of identity theft

Equifax is reporting fraudulent activity on my account. I disputed the items, sent a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information being hacked at a hospital. Theives have my name, SSC #, email address and DOB.
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried to have them send me information about my owed debt with a break down. They told me that there was no way of sending this information ( XX/XX/22 ). They didn't disclose that they were placing interest on my owed debt or explain anything about my owed debt. They claim that the provider is the one that is placing interest on my owed debt. I have talked to the provider that I owe the debt to, and they told me they do not put any interest on my debt. They also, will not send you confirmation when stopping auto payments or any other information you ask for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.