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

The following accounts were fraudulently used without my permission. and it causes me a lot of stress. I am a victim of Identity Theft!
Complaint sub-issue: Information belongs to someone else

Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
Complaint sub-issue: Didn't receive terms that were advertised

I attempted to open a Platinum Checking Account with US Bank on XX/XX/2019 using the promotional code XXXX which gives {$300.00} bonus for making {$2000.00} in deposits within 60 days of account opening. The account was not able to be opened immediately due to the bank requiring further verification. After half a dozen phone calls back and forth I was able to open the account on XX/XX/2019. Even though the promotion ended on XX/XX/2019 I was assured many times over that the offer had been added to my account and I would receive the bonus if I met the terms. I made the required deposits within 60 days even though it took almost a month and several more phone calls for me to get the debit card and the information I needed to make the deposits. After the 8 week  window, I still hadn't received the bonus so I contacted US Bank to follow up on why. They said I'd met all the terms but I needed to contact my home branch to get the bonus credited. I contacted the branch manager for  XXXX on XXXX XXXX XXXX. Multiple times he told me that I'd met the terms and should get the bonus but he needed to submit the form. He never submitted the form. I followed back with him a week later and he said he'd deleted the info including my contact information. So I asked him to submit the request again which he agreed to do, but never actually did. Today he called and said I wouldn't get the bonus because it was outside the window, in direct conflict with what I'd been told by half a dozen other US bank employees including himself.
Complaint sub-issue: Account status incorrect

Acima XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. Acima then reported the payment as 30 days late to XXXX Credit Bureau. 

I reached out to Acima XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.
Complaint sub-issue: Investigation took more than 30 days

On  XXXX   XXXX   2017 , I faxed dispute letter to Equifax Credit Bureau. A month later I called them to check on the status of my dispute. I spoke with a supervisor who confirmed my dispute was received and to give them some time and they will send me the updated information. I still have not heard anything from Equifax Credit Bureau. I also requested a method of verification for the public records they have on my report and the accounts. I have accounts that are reporting closed but have late payment status. Also charged off accounts reporting late payment status.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account terms

This is written in reference to Equifax Credit Reporting Agency. I feel my federal rights are being violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from this company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/misleading information removed from a credit file.I have contacted all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them and etc. I asked for proof of the alleged debt from creditors. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, how is Equifax stating accounts are " Verified '' on my credit report. The letters I receive from Equifax states accounts " Verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their dadatabase is no sufficient verification of information. I prepared to sue Equifax for being such a pain in the posterior to me. I provided more than enough proof to hsve accounts in question removed since my first dispute XXXX 2014. The accounts in question remains to be particularly XXXX XXXX, XXXX, XXXX duplicate XXXX XXXX account with slightly different account numbers, and University XXXX XXXX. Please assist me in anyway possible.
Complaint sub-issue: Information belongs to someone else

I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Complaint sub-issue: Account status incorrect

This was fraud with fXXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

On today ( XX/XX/22 ), I had spoken with, XXXX XXXX about the following : past accts/debts, that was deemed legally uncollectable/unenforceable, judgment proof, closed, delinquent, had a balance, and charged-off that were removed, from my credit report eventually! Mentioned about the XXXX XXXX XXXX ( ending in XXXX & XXXX balance ), not being addressed, corrected, and resolved by now! In addition to that, XXXX XXXX had set in motion : some transactions Equifax was supposed, to be looking into, and investigating ; only some of them was resolved! However, the main thing went unresolved, untouched, and remained as is, from previous complaints/disputes! Equifax is also engaging in illegal reporting/practices, in this aspect : under my Equifax platform XXXX my credit report is displaying, and advertising something totally different, from what their third-party vendor ( XXXX XXXX  ) has under their platform! The question becomes why or is this legal to do? They also refused me, the right to add, an additional statement of facts, to my credit report! At the end of the day, Equifax has no intentions of making, the wrong right ; when it comes to this particular consumer, and her credit report matters, issues, and requested resolution!
Complaint sub-issue: Attempted to collect wrong amount

We cancelled home Internet services with XXXX XXXX XXXX when we moved. We went into the store closest to our home, returned our equipment, and paid our final bill in full. We have the receipt for this transaction and we were told at the store that we were " good to go. '' XXXX XXXX XXXX reported us to a debt collection agency for non-returned equipment one month later. We received absolutely no notice that this would occur, even though the company has our mail forwarding, current phone number, and email. The first information we received was from the debt collector notifying us that we had been sent to a collection agency.
Complaint sub-issue: Information belongs to someone else

I do not have any responsibility for ACIMA is trying to collect. In XXXX, I was charged a payment by ACIMA without my permission, and I disputed this information immediately with XXXX XXXX, who returned the funds taken. I have not had funds taken since that date by ACIMA, however I have discovered a XXXX term lease from ACIMA CREDIT XXXX XXXX  with an original balance of {$1700.00} opened in XXXX of 2020 on my credit report. This reporting is inaccurate because I am unfamiliar with ACIMA CREDIT XXXX XXXX, and did not sign up for ANY lease, loan, rental or purchase agreement in the month of XXXX at all. I have no information at all received from ACIMA in regard to this debt or any attempt to collect this debt besides the attempt to take funds from my account without my permission, and ACIMAs reporting of the debt on my credit report. 

I attempted to call them to get information, they are unfamiliar with my contact information. I emailed their fraud department which sent an automated response to reach out via phone, so I am being sent in circles. 
I am also sending a letter to their business address directly, but I never opened any account with this company, and have never received any information as to any agreement I signed, nor any invoices or bills regarding payments due.
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. 

Accounts : XXXX 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 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: Didn't receive enough information to verify debt

XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.

XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX   has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.

After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature
Complaint sub-issue: Information belongs to someone else

THE EQUIFAX REFUSES THE REMOVE THE FRADULENT ACCOUNT FROM MY REPORT. ALSO NOT DOING ANY PROPER INVESTIGATION. I AM A UNITED STATES LAW ABOIDING CITIZEN AND I DON WANT TO BELIVE I AM LIVING IN A COUNTRY WHERE NOW RICH POWERFUL COMPANIES CAN DISOBEY THE LAW AND DO WHAT THEY WANT, I AM A TAXPAYER AND ASKING FOR A GOVERNMENT HELP TO DEAL WITH EQUIFAX ( MONSTER ). THERE IS ONE FRADULENT ACCOUNT THAT EQUIFAX IS REPORTING WITHOUT ANY EVIDANCE. 

EQUIFAX CREDIT REPORTING AGENCY
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I received my first phone call from XXXX XXXX at USI Solutions Inc . He told me he was looking for my husband for an unpaid XXXX XXXX XXXX Visa card from XXXX. He said the unpaid balance was {$3600.00} and asked that I pay it. I told him that no I would not pay it, it is not my debt, and I have no knowledge of this. I told him I would let my husband know. 20 minutes later my father called and told me that XXXX XXXX was reaching out to him as well regarding his son-in-laws supposed debt. He called my father AFTER I talked to him. During this time my husband is travelling for work but I sent him a message with phone numbers, reference numbers etc so he can handle the situation. I called XXXX XXXX back after he called me again and I told him he needed to stop calling my family members. He put me on hold to talk to his supervisor, XXXX XXXX. After talking to XXXX and telling him that they have done nothing to legitimize their claim that my husband owes a past debt from XXXX he offers a settlement of {$1000.00}. I reminded him again that I was NOT going to pay this as it was not my debt. I told him that we have not received any correspondence prior to XX/XX/XXXX and he told me its because the attorney, Mr. XXXX 's business went out of business and Mr. XXXX himself has passed away. I told him again nothing you have said legitimizes this. He told me he would have someone send me a letter. I received a letter but as there has been no correspondence regarding this prior I did not open the letter afraid it may be spam. XXXX also asks if me and my husband are separated which I told him was none of his business. No we are not separated. My husband calls and talks to XXXX XXXX on XX/XX/XXXX. I am unsure what the conversation was as he is travelling for work but on XX/XX/XXXX XXXX XXXX calls my office. He told me I was responsible for the debt because I live in a community property state. I got married in XXXX and I do not take on the liability of my husband 's " supposed '' debt prior to our marriage. He called me AFTER speaking to my husband who they claim owes the debt. I told him all of this and the call ended with me telling him to not call me again.
Complaint sub-issue: Information belongs to someone else

Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.
Complaint sub-issue: Investigation took more than 30 days

I XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.
Complaint sub-issue: Investigation took more than 30 days

I sent dispute letters to XXXX, XXXX, and equifax. The credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Complaint sub-issue: Debt was discharged in bankruptcy

The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.
Complaint sub-issue: Funds not handled or disbursed as instructed

Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I  noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.
Complaint sub-issue: Their investigation did not fix an error on your report

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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was paid

The XXXX XXXX  XXXX XXXX that is on my credit report is not supposed to be on my personal credit. It was a business account. Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? Ive disputed this account 4 to 5 times on XXXX and Equifax, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP