Johnade/consumer_complaints_cfpb huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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. 
XXXX Balance - ; 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 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 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX.-Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX
Complaint sub-issue: Debt was paid

Previous debt from itt tech, should have been canceled by Biden administration
Complaint sub-issue: Didn't receive enough information to verify debt

I was taken to the emergency room of the XXXX XXXX XXXX on Friday, XX/XX/XXXX, after sustaining a serious injury from a XXXX XXXX. I submitted my insurance information and my dad helped pay off the {$220.00} remaining after insurance paid the rest. I assumed it was all taken care of by then. However, I received a phone call from North American Recovery on XX/XX/XXXX saying that I owed a debt of {$460.00} on that same bill. I called back a week later after confirming that North American Recovery was a legitimate agency and not a scam, and I told them that as far as I knew, the bill had been paid in full. I attempted to contact the XXXX XXXX XXXX to ask about the debt, but I did not receive any response. On XX/XX/XXXX, I sent an image of the receipt, and I received a response on XX/XX/XXXX that my dispute was not legitimate. I later discovered that this debt was to pay the XXXX   doctor, which was different from anything that had been paid already. However, I did not receive any notice, written or oral, about this bill until XX/XX/XXXX, and it was added to my credit account on XX/XX/XXXX ( before I got notification that it was a legitimate bill and had not yet been paid ). I do not feel I was given enough notice that this bill existed. I did not receive any communication from the hospital that I had any outstanding debt, and furthermore, I do not feel like I was given adequate time to confirm the legitimacy of the debt after it was sent to collections.
Complaint sub-issue: Account terms

this item is from XX/XX/XXXX when opened had XXXX insurance on it I am permant XXXX since XX/XX/XXXX now the XXXX or more different companies changing open date to XX/XX/XXXX or newer that is false it was opened in XX/XX/XXXX they are changing dates I have tried every time old companies called me I told XXXX insurance then never here from then again then new company and so on and so on this needs to be taken off it has been 8 + years not the 1 or two they are trying
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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. ( I never gave XXXX permission to furnish any installment accounts on my consumer report. )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries immediately.
Complaint sub-issue: Didn't receive terms that were advertised

We opened Citibank checking account on XXXX XXXX as a new customer. The Citibank offer a promotion " deposit {$15000.00} and maintain for 60days will get {$400.00} bonus '' We However, Citibank did not offer us promotion after we finish all requirements. 
We tried to submit the claim to Citibank. However, they said I am not a new customer. ( see attachment ), which does not make sense.
Complaint sub-issue: Account status

As of XXXX XXXX XXXX XXXX " auto loan " which I had an excellent payment history on my auto loan, indicated to me that Equifax should start reporting my good standing account. 
As of today, XXXX 2016 Equifax does not show my XXXX XXXX account account status on my Equifax credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

AFNI, INC HAS BEEN NOTIFIED. SEE ATTACHMENT I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items

: 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate AFNI, Inc has committed the following violations : Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

As I stated before I am not verifying a alleged account I am stating my privacy rights under the federal law.
Complaint sub-issue: Didn't receive services that were advertised

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, Equifax and XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. Equifax says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and XX/XX/XXXX just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Complaint sub-issue: Problem with personal statement of dispute

I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results
Complaint sub-issue: Can't stop withdrawals from your account

I filed a merchant dispute complaint on XX/XX/2022, Dispute ID : XXXX, at Mechanics Bank for 2 POS ( Point Of Sale ) transactions charges XXXX. The merchandise was defective and the company did not want to honor the warranty. I also submitted another complaint merchant dispute for ACH transactions charges XXXX, Dispute ID : XXXX. I received a letter from Mechanics Bank for both disputed transactions and they made the decision that they could not help me with my claim and closed the investigations. I would like for you guys to investigate if the bank made the correct decision under the law. Thank you
Complaint sub-issue: Reporting company used your report improperly

I recently sent a letter to XXXX to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : *Pay off Disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Police XXXX / Account # XXXX XXXX. XXXX XXXX Bank XXXX XXXX Account XXXX XXXX ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Problem with fees

I have not looked at a statement from XXXX 's in a very long time because of auto pay. There is a {$15.00} monthly charge from " XXXX XXXX XXXX ''. This has been charged monthly since I opened the account 6 years ago. I feel XXXX for not catching it earlier. When I called XXXX 's account support they said I enrolled in the program when I opened the card and it was a separate company from XXXX's.They then transferred me to speaking to a " XXXX XXXX '' company representative who terminated the service but was only able to submit my request for a fee reversal. I did not willingly sign up for this. If it was a separate company from XXXX 's then they would be able to dispute the charges, correct? The XXXX 's rep said this could not be done. This is around {$1000.00} that I have been paying interest on. I am going to close my account and encourage others to stay away from this company that participates in scamming it's customers.
Complaint sub-issue: Debt is not yours

My wife XXXX XXXX XXXX died on XX/XX/2020 of a XXXX XXXX at XXXX Colorado XXXX XXXX. In Colorado, by law, couples are considered responsible separately as far as debts are concerned unless joined by contract. I signed no paperwork on the days of her hospitalization. Since then, no one has reached out to me for payment including the hospital or Drs. 
However, XXXX XXXX XXXX has been hitting me with numerous small bills ( XXXX so far ) totaling {$870.00}. As each has gone unpaid ( my attorney said DO NOT pay unless you are prepared to shoulder all the previous bills ), they have referred the collection to ALPINE CREDIT in XXXX, CO. I have spoken with them on numerous occasions and informed them 'Chapter and Verse ' regarding Colorado law but the said 'they don't care ' and continue ruining my credit. At the time this started my credit was 780, went as low as 550 ( all due to them ) and is slowly back to 680 with almost no debt.

I have reached out to the reporting agencies on numerous occasions but no joy. If there is anything
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2020 I tried to create an account for myequifax.com to get a free credit report. It said I already had one and took me a page to login in, tried to log in and email/password did not match. Clicked forgot password and says I do not have an account and to create one. I tried to create one again, same thing stating I already had one and to login. Did forgot password again and said I do not have an account. This was all from my phone XX/XX/2020 I thought I would try from my laptop. Same thing as before. Tried to register you have already have an account, login, forgot password, no account found. 

I called equifax to see what was going on. I was on the phone for 45 minutes with her. Told her what was going on, she asked for my info, said I don't have an account and needed to register. So I tried again same thing as before. Did forgot password and nothing. Cleared browser history. We did this multiple times. She keep on saying you don't have an account, I was telling her it is saying you have an account. I asked for a manager or a different person she said they can't help me. I probably asked three times. We got no where, no free report, never was able to login. She did file a dispute for me, but I asked if I don't have an account, how can she file one? She said because she sees me in the system. That doesn't make sense to me A company should not be able have this much power in my finances when they can't have live effective help. Especially after they shared 100s of millions people information that lead to identity theft.
Complaint sub-issue: Was not notified of investigation status or results

Requested the following accounts to be deleted from my credit report XX/XX/XXXX. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Complaint sub-issue: Other problem getting your report or credit score

Since XXXX, 2021, my Equifax credit report was deleted by Equifax. I contacted Equifax and they admitted there was a technical issue and that my file would be rebuilt. When I later applied for a mortgage refinance XXXX, 2021, I was denied a mortgage refinance due to my Equifax credit report being blocked. I also could not view my credit report on Equifax.com. This issue has been unfixed and complaints, letters, and documents being certified delivered have not helped. When I check each day for my credit report, it shows as no account history and creditor denial letters show that there is a block preventing them from pulling my credit file to confirm offers of credit. I have since had over 63 credit denials all due to the issue that the creditors can not access my Equifax credit report due to a block initiated by Equifax. EQUIFAX asked me to submit verification of my address and I submitted eight documents including a property tax bill, utility bill, utility proof of residency, drivers license, Social Security card, internal revenue service statement, and mortgage statement. The US PS verified that EQUIFAX is in receipt of those documents which were sent via XXXX mail and EQUIFAX still currently denies receiving these documents which they claim are needed in order to investigate the issue. The issue has not been investigated now for seven months and I am losing money on interest rates and Im unable to buy a mortgage or vehicle due to not having access to my credit file.
Complaint sub-issue: Old information reappears or never goes away

This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX Mortgage, which was recommended by our realtor. Shelter initially said they could give us a XXXX XXXX at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have XXXX mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the Bank XXXX XXXX Georgia. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my Equifax credit report. I called Equifax and disputed this report again, but it would take XXXX days to be corrected. In the rush to finish our mortgage before we lost the house XXXX our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy
Complaint sub-issue: Account information incorrect

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. 

The notification was also sent to XXXX on XX/XX/XXXX for it to process the forgiveness/discharge of the student loans in the amount of {$140000.00}. 

With all of the confusion, administration back peddling and lawsuits filed by or on behalf of XXXX challenging the student loan forgiveness programs ; I would like XXXX with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. 

I filed a dispute with the 3 credit bureaus to expedite getting the reporting off my credit reports ; XXXX however verified that the $ XXXX balance was correct ; which is erroneous as of XX/XX/2022. 

Thank you.
Complaint sub-issue: Account information incorrect

I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits B, G, I &, K, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed immediately.
Complaint sub-issue: Account information incorrect

I have contacted this merchant several times in reference to this account. I placed order with furniture for less I was granted {$700.00} credit limit I ordered a XXXX XXXX that was no longer available and had been discontinued. Three days before delivery was expected I was advised I would not be receiving my bed that it had been discontinued. I had to call several times just to get a refund it took about 2 months to refund my money. I have disputed this twice and nothing has been removed. Acima Credit I opened this account XX/XX/XXXX not XXXX. Contact info XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX