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

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I applied to open a new checking account with U.S. Bank. After sending over personal documents to an agent with U.S. Bank, I was able to open the account and make an initial deposit online by XX/XX/XXXX. A part of this process of trying their financial product was using promo code XXXX, which is an incentive of {$300.00} as a welcome bonus after receiving direct deposits from my employer. 

Unfortunately, after meeting the terms of the bonus offer and waiting the appropriate amount of time needed for processing ( 60 days ), I have not yet received my welcome bonus. I have called the financial institution ( on XX/XX/XXXX ) and they were unable to find anything to resolve this issue ( although I will be calling back next week ). I hope that U.S. Bank can be held accountable for this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX 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 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

XXXX XXXX XXXX c: XXXX

XXXX XXXX XXXX c; XXXX

are not mine 

equifax reporting wrong information
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Account information incorrect

I took out an auto loan on XX/XX/17 the car was totaled XX/XX/2017 I made payments from XX/XX/2017. I spoke to the insurance Co and they said they were sending a check and I would probably be getting a refund for the extra payment I made. Insurance company sent a check to the bank it was cash XX/XX/XXXX so did XXXX for the extra items I have purchased both checks were cashed. I applied for another auto loan with US Bank I then get denied because they said that I was late three payments I asked them for details which took a very long time to get. I called the insurance company to make them aware that the bank said they did not receive a check from them so they that same day cancel the check and re-issue another check I didnt get a letter from US Bank telling me that my bank and stop payment on the original check that they claim they never received And they were reporting me again. I asked what I could do to get this cleared up they said I could pay it off so I did pay it off then I got reimbursed after they get the additional check from insurance company and they also found the check from XXXX that was cashed and just not posted to my account and thats exactly what happened with the insurance companies first check. They refuse to take responsibility for not posting my account correctly and they refused to correct the remarks on the credit report They calimed they sent me a letter which I have asked for a copy and still havent received it.
Complaint sub-issue: Information belongs to someone else

Hello, In regards to the entry of : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXX XXXX XXXX XXXX, AS OF XXXX XXXX, 2017 {$320.00} AT : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a computer from Best Buy on XX/XX/19. The virus protection that comes free with the computer was not in the box. The following day I went to a different Best Buy near my son 's home and explained the situation to a gentleman in the computer section. He told me he would give me one at no cost, since I did not receive it, I showed him my receipt. He was unable to do so, he went and got his supervisor whom also tried and was unable to have the register accept it. The supervisor told me I had to pay for it, then they could give me a full refund once it cleared my bank, which was the following day. I used my bank card as credit, and they refunded the {$31.00}, the cost of the virus protection to my Best Buy card, which was not the card I used to make the purchase. There was {$22.00} credit on my Best Buy card due to interest. I want the {$31.00} back on my bank card not my Best Buy card. I also heard it is against the law to put the credit on a credit card that was not used to make the purchase. I have waited three weeks, and the refund has not been put back into my bank account. I called Best Buy headquarters on XX/XX/19 and spoke to XXXX, a manager, he told me to go back to the store and have them give me the refund. I told him that the store made the error of not including the virus protection, and then put the credit back on the wrong card, neither one was my error. Thank You, XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Discover had approved me for a credit card in early XXXX of 2020 and then it took about one month before they even cleared me to use the card. I went through all kinds of process, tax return, identification verification, and etc. All to which started to use the card aroundXX/XX/2020 and then within 1 week the card is closed by the grantor for what reason I still dont know. To top it off the are harassing me for the {$1300.00} back on the card and didnt even use but about {$380.00} dollars worth of credit. Please help me out with getting this off my credit because it is causing me Extreme Financial Hardships.. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX ( cellphone ) XXXX ( email )
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX RE : Afni, Inc ( Debt Collector ) Account # XXXX I received letter from AFNI requesting collection of debt that is not mine. Further, they placed the collection on my credit report with XXXX. I wrote a validation letter, and they did not respond with proof of the debt.
Complaint sub-issue: Public record information inaccurate

Bankruptcies and tax liens & judgment that are incorrect.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I launched an investgation via the webiste of Equifax to dispute a total of 4 errors that are listed under public record on my credit report. I was given a Dipsute Number of XXXX. 

Under the FCRA Equifax has violated the followingLaws : 15 U.S.C. 1681 ( B ) Equifax failed to provide accurate information as it pertians to me listed under public record on my credit report. Per XXXX XXXX this information could not be verified and therefore should be removed. I have enclosed the letter stating so. 

15 U.S.C. 1681i ( A ) Equifax has failed to notifiy me the consumer within the 30 Day period of my initial request of the investigation of any results. I am unbale to access the dispute number that was giving to me via email through their website. There is no record of my dispute at all.
Complaint sub-issue: Information is incorrect

I had ordered my credit report and noticed that there is a eviction on my record on a address that I never lived at and the address in question is XXXX XXXX XXXX XXXX XXXX.Please delete negative item off my report
Complaint sub-issue: Information belongs to someone else

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a debt collect from a apartment I stayed in from XXXX. I put in a notice to vacate 60 days prior I did a walk through and turned in my keys. Now two years later they are stating I broke my lease and caused damage that I didnt not do. I have asked for a list from it data international and the XXXX  and no one will give it to me. I never got anything from the XXXX  when I moved out. No deposit back. No summary are anything from the via mail email or call and they had my forwarding address. 

The companies involved Iq data international XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am mad at gateway mortgage because i had lost my job due to covid-19. I called gateway to get on their forbearance program but I did not call in time before I was mark on my credit reporting with a 30 days past due. I would like gateway to fix my credit reporting due to this issue
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had a delinquency charge on my Citi Credit card on XX/XX/2021. I did not pay this amount because I was disputing it but they told the XXXX credit bureaus that I was late. I did not charge this transaction. I have called Citi every month since XXXX 2021. It is still showing my on XXXX Credit Reports. I want the LATE- PAST DUE amount removed from my XXXX credit reports. I have letter, faxes to Citi and no response on removing it from my XXXX Credit Reports..
Complaint sub-issue: Was not notified of investigation status or results

disputed with the three credit bureaus and XXXX and XXXX  have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXX XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX Account Number : XXXX balance : {$1400.00} Theft XXXX Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :
Complaint sub-issue: Seized/Attempted to seize property

Asset was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX account, by Palisades collection LLC, in XXXX and XXXX.. when asked i was informed it was for a credit card i had open with XXXX Bank in 2004.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX  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's also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020, XXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. Equifax is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in Equifax stating the deceased comments would be removed. Then Equifax sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for XXXX and Equifax shows this account as closed due to consumer deceased. XXXX has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX  ( Original Creditor : 08 XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : 08 XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$0.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6300.00}, {$1800.00}, {$450.00}, {$6300.00}, {$5900.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNT 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

15. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX  as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....
Complaint sub-issue: Account information incorrect

I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.
Complaint sub-issue: Didn't receive terms that were advertised

1 ) On XX/XX/2021 i opened a checking account without monthly fees and {$250.00} promotion bonus if {$1000.00} per month of any direct deposit was made for 3 consecutive months. Although i complied with their terms ( i attach the promotion page ) i never received the {$250.00} bonus. Since then i met few people who opened a checking account with Bank of the West during that promotion period and still they waiting for their {$250.00} bonus. This is typical " bait and rip off '' tactic. 2 ) XX/XX/2021 i disputed few unothorized/fraudulent items total amount of {$360.00} and employee that i filed the dispute with over the phone told me that the investigation will take 3 months. After few days XX/XX/2021 i received by mail their completed/Bogus investigation denying my claim ( i attach a copy ).