Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an Equifax a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and Equifax. Never hear back from them. I recently called XXXX and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report
Complaint sub-issue: Transaction was not authorized

XXXX stolen XX/XX/2020. Cash app acct was taken over ( cash tag/email/phone changed so i didn't know it was accesed and locked me out of account ) reported this a few days later when i realized the acct was empty. Cash app did nothing about unauthorized transactions, kept me out of account until it was too late to dispute charges. I can not get any details of transactions that would've enabled me to dispute thr charges eith the merchants. I lost about {$700.00} and information on parties responsible for fraudulent charges. I was let into my acct recently after they accepted my IRS stimulus checks and I posted many negative reviews and complaints online
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA XXXXction 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions
Complaint sub-issue: Didn't receive terms that were advertised

I got referred to Albert by my friend and their joining terms promised to pay {$500.00} to me after completing the qualifying activities for the first 3 months ( direct deposit and debit card purchase ). After a few days of joining, I confirmed this over text support and they verified the same saying that they see me being referred by my friend which makes me eligible for the bonus. However, after meeting all the criteria I don't see {$500.00} yet deposited into my account. 

Also, after joining Albert, I referred two of my friends for a {$500.00} bonus each ( 2* {$500.00} = {$1000.00} in total ) and they joined via my link & completed their activities as well but I don't see any {$1000.00} deposit in my account for referring them. 

But now after a few months, when it comes to paying the bonus, I tried to contact Albert over email and they said they don't see I was referred by anyone which is not true. 

I hope this is not the experience you would like your customers to face. Please resolve this and my account should be deposited {$1500.00} in total ( {$500.00} for joining and completing activities + {$1000.00} for the 2 friends I referred ). Thank you.
Complaint sub-issue: Information belongs to someone else

This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in XX/XX/2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.
Complaint sub-issue: Banking errors

I opened a new checking account with Ally on XX/XX/XXXX. I did this because I received an email stating that I would get {$250.00} for opening the account and making a qualified direct deposit by XX/XX/XXXX. It also states that the deposit will occur on XX/XX/XXXX. 

I began contacting Ally in XXXX. I have had multiple agents tell me that I have qualified but they don't know why it isn't paid. They keep " escalating '' my case. I have also had 3 agents tell me that too many people took advantage of the offer so there are many people complaining about this issue.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Complaint sub-issue: Didn't receive enough information to verify debt

You are currently reporting debt to my credit report {$200.00} and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX  but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,
Complaint sub-issue: Account status incorrect

RE : US Bank This is in regards to an allegded late payment for a credit card. I 've contacted them several times, written them, etc., to no avail. No responses to written letters, and when I have called, they continue to transfer me to people who can not discuss this matter. 

A late payment was NEVER made on this account. All payments were on time and this was a system error. 

Request : Rectify and delete late payment
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is with Exquifax. On XX/XX/XXXX I sent a certified letter disputing the multiple hard inquiries on my account. Specifically the 3 inquiries made by XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am also disputing the 2 hard inquiries made by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I believe that Equifax did not do a reasonable and thorough investigation of these items. I purchased a rental house XX/XX/XXXX other than that there does not seem to be any reasonable and legitimate business purpose to take out 5 inquiries. I have 2 major concerns. One is that there is someone who has access to my data. The other is that I will look like a poor credit risk to a lender because there are so many inquiries on my file. ( a total of 7 now )
Complaint sub-issue: Debt is not yours

First Bank XXXX XXXX  Account XXXX I contact few time the Bank but the Representative not want to talk about this account Is Not possible for a original Creditor to Report a Balance on a Account that they Charge off because by definition of GAAP [ General Accepted Accounting Procedure ] .This Debt was been writing off to a Un Collectable and on a Company Profit & Loss Statement of the Financial Report And also can not be a Due Balance on a Charge Off
Complaint sub-issue: Debt is not mine

I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.
Complaint sub-issue: Debt is not yours

This letter is to inform you that Lending Club has failed to respond to my credit dispute letter and failed to verify that this account belongs to me that I sent certified mail on XX/XX/2019. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. It is my contention that Lending Club Corporation know they can not tie me to this account, otherwise, they would have done so when I made my initial request. Lending Club Corporation is blatantly disregarding the law.
Complaint sub-issue: Personal information incorrect

XXXX/XXXX/XXXX - could not access https : //www.ai.equifax.com to dispute current and previous addresses
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX/XXXXUnder Dispute XXXX   XXXX  XXXXUnder Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX/XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXTXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law
Complaint sub-issue: Delay in processing application

XXXX 2019 got card from discover some hacking into account XXXX can boost cefit score balance manipulated app process was being sabatoged
Complaint sub-issue: Debt was result of identity theft

Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX  behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX  years! 

I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!! 
Please stop this!!!!!
Complaint sub-issue: Cashing a check

Bank Of the West Wants my Bank User Name and Pasword to take money out of my Bank account to Pay Rent the Bank could XXXX all my Money XXXX XXXX XXXX  mailed RPM Rental my Rent Check that RPM mails to Bank of the West gets the check late and charge me {$130.00} Fee RPM said to Mail the Check to Bank West Return the Check to my Mom Adress in Minnesota I Had XXXX XXXX mail 2 months Rent to RPM RPM wont give me there Routing Number XXXX  XXXX took around {$1000.00} Dollars to Lease me the Apartment I asked fore Help Paying Rent Calling Bank Of the West most all there Employees Hang up on XXXX XXXX Have XXXX XXXX in XXXX nobody can file a lawsuit against a bank treats everyone Terable 9 years I often move to a Foreign Country Every 90 Days the First Day you are in the Country a Rental Complany or XXXX XXXX take you to and apartment you give them {$2500.00} Cash and Rent the apartment there 100 % Helpful XXXX Credit Check XXXX Fees everything Helpfull Return to America and Everyone Treats you Terrible Call RPM Rental and Send them a email gets XXXX response you have to go there
Complaint sub-issue: Information belongs to someone else

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. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax 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. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on 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 FIN I XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX  {$1100.00} / XX/XX/2022
Complaint sub-issue: Was not notified of investigation status or results

In XXXX Equifax deleted XXXX XXXX for {$940.00}. I checked my reports on XX/XX/2021 and seen that the account had been added back to my credit reports. I thought the credit bureau is supposed to send me a letter 5 days prior to adding this account back on my reports. Equifax never sent me anything. This account shouldn't be on my credit reports.
Complaint sub-issue: Transaction was not authorized

I met a seller on XXXX  who promised me goods if I paid him. I paid them using Cash App and once they recieved the money, they blocked all forms of communication with me. 

I have no personal information of the seller and cash app will not reply to my emails. I tried back charging the money XXXX {$800.00} XXXX but cash app settled the dispute in the seller 's favor because he told them " it was a money transfer ''. I have evidence and proof that we agreed an exchange of money for goods and even in the payments on Cash App, I specified the money was for goods. 

I am down {$800.00} and can not contact Cash App because they closed my account due to trying to backcharge the amount.
Complaint sub-issue: Problem with fees charged

US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.
Complaint sub-issue: Information belongs to someone else

I sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.
Complaint sub-issue: Reporting company used your report improperly

You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.
Complaint sub-issue: Deposits and withdrawals

My checking account has been blocked on Monday ( XXXX ). No reason provided. In the email, I had a phone number to contact. I tried to contact them by this number more than 6 times. In sum, I spent more than 15 hours on this line including XXXX time when I was on the line almost 6 hours. Also, I tried to contact them by chat and the main phone line. The representatives said that they can't help. 

I still don't have access to my account and money on this account. I used their checking account as the main one so it has my salary.